vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Asked company on multiple occasions to remove all accounts that does not have my correct personal information. Sent over my correct personal information and nothing has been removed from my credit report. There are wrong accounts, wrong spelling of my name, wrong addresses, wrong phone numbers being reported on my credit. It's illegal to allow companies to pull my credit report without permissible reasons and my consent. Please remove all accounts and inquires that where not giving with my written signature.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Asked company on multiple occasions to remove all accounts that does not have my correct personal information. Sent over my correct personal information and nothing has been removed from my credit report. There are wrong accounts, wrong spelling of my name, wrong addresses, wrong phone numbers being reported on my credit. It's illegal to allow companies to pull my credit report without permissible reasons and my consent. Please remove all accounts and inquires that where not giving with my written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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:
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 XXXX 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.

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 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC.
State: AL

Complaint narrative:
I am a Frost Bank customer and had an account that was closed without warning after I filed a legitimate fraud dispute. My authorized user lost her debit card, and someone made unauthorized transactions using that card. I immediately reported the fraudulent activity to Frost Bank and filed a dispute, as I am entitled to do under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Instead of assisting with the fraud investigation, Frost Bank chose to close my account entirely. I was not responsible for the fraudulent activity, and I took prompt action to protect my account. The closure appears to be a risk-based decision, but no valid reason has been provided to me. 

This decision has caused financial hardship and reputational harm, as I now risk being reported to XXXX XXXX XXXX XXXX XXXX  even though I was the victim of fraud not the cause. 

I have requested a written explanation from Frost Bank but have not received a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im reaching out because I recently discovered that Ive become a victim of identity theft, and it has been extremely frustrating and stressful for me. Someone got hold of my personal information and used it to open accounts that I never asked for, never agreed to, and never benefited from.

these accounts are not mine. I never applied for them, and I shouldnt be responsible for any of the debt or problems tied to them. Unfortunately, this situation has already hurt my credit and caused me a lot of unnecessary stress.

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 2025-10-22 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-22 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
l recently review a copy of my credit report and notice l had fraudelent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  I initiated a {$100.00} transfer from my XXXX account to an external checking account. I confirmed this specific amount. 
Immediately after I confirmed the {$100.00}, the app refreshed and returned to the home screen. I watched my balance instantly drop from {$1800.00} to {$0.00}. The transaction log confirmed that the app had erroneously transferred the entire {$1800.00}, not the {$100.00} I authorized. 

I immediately reported this critical error to XXXX  support, but my concern was dismissed. 
This is a significant software flaw. The app malfunctioned, disregarded my explicit {$100.00} input, and defaulted to transferring my entire balancean action I did not request or approve. 

This isn't just a personal inconvenience ; it's a catastrophic bug. Consider a theoretical scenario : If I were a small business owner with {$250000.00} in my account for payroll and I tried to pay a simple {$100.00} invoice, this same flaw would transfer the entire {$250000.00}. This bug makes the platform fundamentally unsafe for fit to be used at all for business or personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> with all 3 credit bureau I filed a formal dispute made under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Uniform Commercial Code ( UCC 1-308 and 9-210 ). In the letter I stated that I hereby reserve all rights and do not waive any remedies available to me under state or federal law. In the letter i demand for the re-investigation and removal of inaccurate, unverifiable, and obsolete information on my credit report. All of these accounts are settled and paid in full. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXThese accounts have been paid and closed, yet continue to display derogatory or misleading information, which violates FCRA 623 ( a ) ( 1 ) ( A ) and 602 ( A ). 

I requested that it should no longer appear on my report. I asked that a full re-investigation be done and be deleted with proper documentation within 30 days, No action was taken by this company

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 2025-10-22 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-22 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Williams, Rush & Associates, LLC
State: LA

Complaint narrative:
Applied for my XXXX I just never paid it off. 
N/a date

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX  - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX  - Account Number : XXXX - Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX - Account Number : XXXX - Reported Late Payments : XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
I currently have a 14 % APR car loan that is a year old that I received while I was in an active bankruptcy. All three credit bureaus report that this current car loan has a 100 % PAID AS AGREED status with no late or partial payments. ( Matter of fact, I have made a few PRINCIPAL ONLY payments in addition to the regular monthly payments. ). Also, my XXXX scores from the three currnet bureaus range from XXXX - XXXX. 

This week, I applied to refinance to a 4.25 % APR car loan through USAA Federal Savings Bank where I have had an active account since XXXX, and where I currently have nearly {$10000.00} combined in my checking and savings accounts. I was denied for the sole stated reason that I am in bankruptcy. This is NOT TRUE!!! 

My bankruptcy was discharged on XX/XX/XXXX, and all three credit bureaus report this. 

When I called USAA to get an explanation, I was literally told that XXXX  told them that I was in bankruptcy. When I offered to fax them my XXXX  credit report that showed that the bankruptcy was XXXX, along with the federal bankruptcy court order that proves that it was XXXX, they refused to accept these documents. And, when I asked them to send me the underwriting report that says that I am in an active bankruptcy, they also refused that request. 

I do not have a problem being denied credit. Since the bankruptcy, I have suffered this too many times and I have gotten accustomed to it. However, since I have been out of bankruptcy, I have diligently rebuilt my credit over the last six months. So, I REFUSE to quietly accept a denial based on FALSE piece of 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the inaccurate reporting of multiple late payments on a single account as shown on my Experian credit report. Several payments have been incorrectly marked as late, even though they were made on time and in full. This misinformation has caused unnecessary harm to my credit standing and does not reflect my actual payment history or financial responsibility.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my Experian credit report, there are several hard inquiries that are not associated with any open or active credit accounts. 
I never gave written authorization for these companies to access my credit file, and none of these inquiries resulted in approved or existing accounts. 
Therefore, these inquiries were added without a permissible purpose or my consent, violating the Fair Credit Reporting Act ( FCRA ). 

The following inquiries are unrelated to any open accounts : XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not have any credit relationship with these entities, and no accounts were established as a result of these inquiries. 
These are unauthorized and inaccurate entries that negatively affect my credit profile. 

This situation violates my consumer rights under the following provisions of the FCRA : 15 U.S.C. 1681 Section 602A : Protects the consumers right to privacy and accuracy of credit information.

15 U.S.C. 1681b ( Section 604A ) : States that a credit report can not be furnished without a valid permissible purpose or written authorization.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known to be inaccurate or unverifiable.

15 U.S.C. 1681n and 1681o : Establish civil liability for willful or negligent violations of the FCRA. 

I am requesting that Experian reinvestigate and delete these unauthorized inquiries from my credit file immediately.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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