vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXINQUIRY: \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n 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 2025-07-29 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 XXXX 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  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 ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Balance : {$140.00} Open Date XX/XX/XXXXXXXX  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

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 2025-07-29 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-07-29 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: TN

Complaint narrative:
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 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 2025-07-29 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: TN

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AL

Complaint narrative:
I contacted the complex letting them know the situation. The complex lawyer said as long as i was out of my apartment by XX/XX/year>, and i continued to pay my payment arrangement it would not hit my credit. I submitted the money order of {$50.00} as the lawyer instructed this was ok email attached, the complex said this is to small of an amount and the lawyer had no authority to advise this pay back amount. 

Now i have this negative on my credit report not allowing me to get a new apartment, and i tried to pay the bill but the complex never recorded ther money order. copy of money order request of recorded receipt is attached. 
XXXX XXXX XXXX XXXX - XXXX AL {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am disputing two Affirm accounts reporting on my credit profile : Account 1 : Affirm Inc {$850.00} Opened : XX/XX/year> Account 2 : Affirm Inc {$980.00} Opened : XX/XX/year>XXXX  These accounts are inaccurate and violate the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). The loans are tied to merchandise that was never delivered to me. The merchant failed to obtain a required delivery signature, left the items unattended, and they were stolen. I provided evidence during multiple disputes with Affirm, but they refused to remove the charges. I never received the products and will not be held liable for these transactions. Affirm has failed to fulfill their responsibilities under federal law. I am requesting immediate removal of these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have contacted all 3 bureaus asking to remove " consumer dispute '' comment off of my credit report and have been told each time that it has been removed. Each time myself and someone else pull my credit report these remarks still appear. This has become of conflict and need it removed ASAP

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing to request the removal of two bankruptcy filingsa XXXX  XXXX filed XX/XX/XXXX and dismissed XX/XX/XXXX, and a XXXX  XXXX that was filed XX/XX/XXXX and dismissed XX/XX/XXXX, that appear on my credit report. Both of these cases were dismissed because I did not complete the court process. No debts were discharged, and the filings were never finalized. 

Since these bankruptcies were dismissed and not carried through to completion, I kindly ask that they be removed from my credit report. I understand the importance of maintaining accurate information, and I want to ensure my credit history reflects my actual financial situation. I initiated a dispute in XX/XX/XXXXXXXX  with all credit bureaus, and it was not removed. 

Kind regards, 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC
State: TN

Complaint narrative:
I previously disputed an inaccurate and unverifiable debt allegedly owed to an apartment complex. The debt was removed after the investigation. However, it was later re-reported on my XXXX  credit report under a new collection agencyAmerican Cordius Internationalwithout any written notice of reinsertion from XXXX, violating FCRA 611 ( a ) ( 5 ) ( B ). 

American Cordius International has provided no valid documentation of the debt, including no signed lease, no itemized charges, and no proof of ownership or right to collect. The lease they sent contains no signature or date and references a XXXX apartment number. 

This account is not being reported by XXXX  or XXXX XXXXwhich raises questions about its legitimacy. 

This is causing undue damage to my credit and appears to be an illegal re-aging of a debt or a deceptive collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
XXXX XXXX is engaged in inconsistent, misleading, and inaccurate reporting of my auto loan account, creating material harm to my credit profile. In multiple CFPB responses ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>XXXX  ), they confirmed the account was charged off, yet their XX/XX/year>XXXX  response now claims it is not closed. They have altered past payment history, falsely reported ongoing payments post-charge-off, and issued a retroactive refund check ( {$1.00} ) tied to a system audit without providing a clear explanation. 

As a XXXX XXXX XXXXXXXX veteran with documented VA backpay, I explained this hardship during phone calls with XXXX XXXX, yet they have ignored this context and continue to provide contradictory, incomplete responses. This behavior violates FCRA ( 15 U.S.C. 1681s2 and 1681i ) by failing to report accurate information and by refusing to correct or delete misleading tradeline data despite repeated disputes. Their responses, especially from the same representative, appear boilerplate and dismissive, failing to address the core issue of inaccurate credit 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 explanation
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
XXXX XXXX is engaged in inconsistent, misleading, and inaccurate reporting of my auto loan account, creating material harm to my credit profile. In multiple CFPB responses ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ), they confirmed the account was charged off, yet their XX/XX/year> response now claims it is not closed. They have altered past payment history, falsely reported ongoing payments post-charge-off, and issued a retroactive refund check ( {$1.00} ) tied to a system audit without providing a clear explanation. 

As a XXXX XXXX XXXXXXXX veteran with documented VA backpay, I explained this hardship during phone calls with XXXX XXXX, yet they have ignored this context and continue to provide contradictory, incomplete responses. This behavior violates FCRA ( 15 U.S.C. 1681s2 and 1681i ) by failing to report accurate information and by refusing to correct or delete misleading tradeline data despite repeated disputes. Their responses, especially from the same representative, appear boilerplate and dismissive, failing to address the core issue of inaccurate credit 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 2025-07-29 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: OR

Complaint narrative:
XXXX XXXX is engaged in inconsistent, misleading, and inaccurate reporting of my auto loan account, creating material harm to my credit profile. In multiple CFPB responses ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>XXXX  ), they confirmed the account was charged off, yet their XX/XX/year> response now claims it is not closed. They have altered past payment history, falsely reported ongoing payments post-charge-off, and issued a retroactive refund check ( {$1.00} ) tied to a system audit without providing a clear explanation. 

As a XXXX XXXX XXXXXXXX veteran with documented VA backpay, I explained this hardship during phone calls with XXXX XXXX, yet they have ignored this context and continue to provide contradictory, incomplete responses. This behavior violates FCRA ( 15 U.S.C. 1681s2 and 1681i ) by failing to report accurate information and by refusing to correct or delete misleading tradeline data despite repeated disputes. Their responses, especially from the same representative, appear boilerplate and dismissive, failing to address the core issue of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OR

Complaint narrative:
I am disputing several inaccurate late payment notations that have appeared on my credit report. I have never missed a payment on any of my accounts, and I believe these negative entries are the result of reporting errors. 

The following accounts reflect erroneous late payment history : XXXX XXXX Acct # : XXXX / XXXX Late payments reported for XXXX, XXXX, XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX Acct # : XXXX / XXXX Late payments reported for XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Acct # : XXXX / XXXX Late payments reported for XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Late payments reported for XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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