vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX COURT-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I am writing to formally dispute certain inaccurate information on my credit report. I am not disputing the accounts themselves, but I am disputing the late payment history reported on them. The following accounts have been inaccurately reported as late, and I request that you investigate and correct the payment history for each : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$44000.00} Reason for Dispute : The late payments reported on this account are inaccurate. I have consistently made payments on time. Please verify payment history and remove any erroneous late payment notations. 

XXXX. XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$85000.00} Reason for Dispute : This account has been incorrectly reported as having late payments. Payments were made as agreed, and the late notations are false. Please investigate and update accordingly. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Reason for Dispute : Late payment entries on this account are inaccurate. I request validation of all reported late payments and removal of any incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNT and HARD INQUIRIES from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-06 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: IL

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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 am writing to formally dispute inaccurate and unverifiable information that continues to appear on my credit report. Under 15 U.S.C. 1681i, I have the legal right to dispute any information on my credit report that is inaccurate, incomplete, or can not be verified.

I have previously submitted multiple disputes to your agency ; however, the disputed items continue to appear as updated or verified without any proper reinvestigation. To date, I have not received any documentation or evidence verifying the accuracy of the reported accounts. 



Specifically, 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 XXXXXXXX {$500.00} company has failed to provide : Verification of the debt, The original signed contract bearing my signature, and A complete explanation of the amount owed and how it was calculated. 

Additionally, I have already provided proof of identity theft, including a police report and supporting documentation. Despite this, the disputed accounts remain on my credit report without proper validation or investigation, which is a clear violation of my rights under the FCRA.

I am demanding that you conduct a reasonable reinvestigation of the disputed items and delete any information that can not be verified as accurate and complete. If you continue to report this information without proper verification, it may constitute willful noncompliance under 15 U.S.C. 1681n.

Please provide written confirmation of your reinvestigation results, including copies of all documents and evidence used to verify the accuracy of the information.

Thank you for your prompt attention to this matter.

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 2025-10-06 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 dispute the accuracy and completeness of the following items on my Equifax report dated XX/XX/XXXX : XXXX ) XXXX  ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Reported by XXXX : Derogatory / Late XXXX  Days / Accounts closed by XXXXredit grantor. 
Conflict : Days-late summary shows XXXX but XXXX / XXXX, which is inconsistent with a XXXX status and with XXXX payment strings. 
Disputed late months : XXXX XXXX ( all ) and any XXXX designation. 
Demand : Ledger/statements for each month ; correct Payment History Profile, Payment Rating, Account Status, Special Comment, Date of Account Info or delete. 
XXXX ) XXXX ( revolving ), XXXX ( charge ), XXXX XXXX ( revolving ), XXXX XXXX ( credit card ), XXXX ( charge ) Paid vs Open/Current contradictions Equifax shows : Paid while simultaneously Open/ Current with {$0.00} balances ( and missing/ambiguous Date Closed ). 
Examples from your report : o XXXX : Paid Open/Current {$0.00}. 
o XXXX : Paid Open/Current/Charge {$0.00}. 
o XXXX XXXX : Paid Open/Current {$0.00}. 
o XXXXXXXX XXXX ( CC ) : Paid Open/Current {$0.00}. 
o XXXX : Paid Open/Current/Charge {$0.00}. 
Dispute : These internal contradictions are misleading. 
Demand : Provide documentary evidence clarifying whether each account is open or closed/paid, and correct Metro 2 fields ( Account Status, Current Balance, Actual Payment Amount, Payment Rating, Special Comment, Date Closed, Date of Account Information ). If status can not be verified coherently, delete. 
XXXX ) XXXX XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Equifax shows : Open/Current, Payment Amount {$2000.00} ; XXXX shows : Open/Current, Payment Amount {$500.00}. 
Dispute : Material mismatch in Actual Payment Amount and potential characterization. 
Demand : Provide lease ledger reflecting scheduled amount and any adjustments ; correct Actual Payment Amount, Payment Frequency, Account Status, Date of Account Information/Special Comment or delete if unverified. 
XXXX ) XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Equifax shows : Paid with Account disputed / Consumer disputes after resolution and XXXX count ; XXXX do not support a XXXX. 
Disputed late months : All late codes shown by XXXX, including the XXXX count, plus XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) to the extent XXXX carries them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

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 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. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX  Account Number XXXX Balance : {$7200.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XX/XX/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 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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Office of the Comptroller of the Currency XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Complaint Regarding 5/3rd Bank Account Closure and Fund Issues Dear Office of the Comptroller of the Currency, I am writing to formally submit a complaint against 5/3rd Bank regarding the recent closure of my account and ongoing issues with my funds. 

On XX/XX/year>, I deposited a cashier 's check into my account. However, on XX/XX/XXXX, I was notified that my account had been closed due to alleged suspicious activity. While I understand the importance of safeguarding against fraud, I am concerned about the lack of communication from the bank and the inadequate handling of my situation. 

As of today XX/XX/XXXX, I have yet to receive my funds, and my attempts to reach 5/3rd Bank have largely gone unanswered. During a visit to the XXXX XXXX, I was subjected to aggressive questioning about the source of the cashier 's check, which I found distressing and unprofessional. 

I am also apprehensive that this incident may be reported as a threat to me because I was threatened by some members of the bank whenever I visited the branch despite having done nothing wrong.

I seek your assistance with the following : 1. An investigation into 5/3rd Bank 's actions regarding the closure of my account and their procedures.

2. Support in recovering the funds associated with my cashier 's check.

3. Guidance on preventing any negative reports to other financial institutions related to this matter.

I believe my rights as a consumer have not been upheld, and I trust that your office can help facilitate a fair resolution. I am prepared to provide any additional documentation that may be needed to support my case.

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment notations reported on my Experian credit file. I am not disputing the accounts themselves, but I am disputing the late payments associated with these accounts, which I believe to be reported in error. Please investigate the following : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$44000.00} Reason for Dispute : I dispute the late payment history reported on this account. I believe these late payments are inaccurate and request that Experian verify their accuracy with proper documentation from the furnisher. If the creditor can not provide verifiable proof, I request that these late payment entries be removed from my credit file. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$85000.00} Reason for Dispute : I dispute the reported late payments on this account. These negative marks are not consistent with my payment history and may have been reported in error. Please verify the accuracy of these late payment records with the creditor. If proof can not be substantiated, I request deletion of the late payment notations.

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 2025-10-06 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:
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 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 2025-10-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
Today XXXX solutions group threatening to sue and take medication to court. The lady got very hateful and would not give me letter of verification, or phone to contact her back. She rattled off information way too fast. She even told me they would put a lean against my truck and told me all of my personal information as in social security number and more. Then she proceeded to tell me I was rude and hung up on me. 
When I called the number back. She was then cooperative with a letter and phone number. Along with reasonable numbers speaking slower. 
I did not know anything of this debt before today, even though she said they had mailed me a letter on it. I had never received the letter she emailed me in the mail

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 2025-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I had gone to a XXXX store ( XXXX authorized retailer ) to purchase XXXX Upon confirming purchases I was convinced to obtain a XXXX XXXX card issued by Synchrony Bank. Several weeks later I received reminder from Synchrony indicating amount/date due. Several weeks passed when I began receiving reminders from both Synchrony and XXXX reminding me each having a different amount. I questioned this and was told they were reminders. I continued receiving these reminders and got fed up and visited the XXXX store to obtain phone number for Synchrony to cancel my credit card. They informed me to visit the XXXX store on XXXX XXXX XXXX XXXX XXXX. I arrived there on XX/XX/XXXX, spoke to a rep who connected to Synchrony Bank. Spoke to their rep and requested my credit card be canceled and a few minutes later it was and I left. Several weeks later I began receiving emails from Synchrony about monies due. With all Of the emails received and the frustration receiving these emails from Synchrony I inadvertently paid them a duplicate payment as well as to XXXX. Since all this began I have received XXXX emails from XX/XX/XXXX to XX/XX/XXXX as well as XXXX more emails over the next few weeks. My letter dated XX/XX/XXXX to XXXX Synchrony Bank locations as well as sending copy to XXXX Dispute Resolution Manager. I have been pressured, harassed, tormented, relentless, email bullying, aggressive tactics for monies I do not owe. I am a respected member of my community, am a retired XXXX Veteran in my XXXX, and disgusted in the way I have been treated.

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