vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX, IN on XX/XX/XXXX with a balance of {$720.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, The following payment that was made late should be removed from my credit report. Apparently, there is an error on the bill. This payment was never late and I never missed it. My account is set up to pay automatically, therefore I have never missed a payment.

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 2025-10-28 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:
Good day, The following payment that was made late should be removed from my credit report. Apparently, there is an error on the bill. This payment was never late and I never missed it. My account is set up to pay automatically, therefore I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: GA

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 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 2025-10-28 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Good day, I am writing to ask that the following payment that was late taken off my credit report. The charging process has made an error. There was never a moment when I was late with this payment. I never failed to make a payment because my account was pre-set to do so.

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 2025-10-28 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
In multiple instances over the past few months my bank, USAA, has had a faulty system where it doesn't show the true or available balance that I have, so I log on to see I have let 's say {$100.00} so I think okay I can spend {$100.00} I spend it and then wake up the next day with my account overdrafted, because their system doesn't update, sometimes it takes a few days and then it goes over. I tried contact them in the past about this and they just say that they're system takes a while to update and offer no resolution.

It also shows purchases I made a day or two prior as happening the day of as a way around this.

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 2025-10-28 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:
Dear TransUnion 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

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 2025-10-28 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: OH

Complaint narrative:
This is my final notice. Ive already contacted you regarding the fraudulent accounts and unauthorized inquiries being reported under my name and youve failed to act. Let me make this absolutely clear : I am the consumer, and I am personally submitting this letter. No third party is involved. Do not send me another form letter, template reply, or delay tactic. That would only confirm your disregard for the law and my rights. 
You are now knowingly reporting fraudulent data after being provided with official documentation of identity theft. Thats not just careless its legally reckless. Your continued inaction is not only unacceptable it is now bordering on willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You have no legal basis to share or retain inquiries on my credit file that I never authorized.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days of receiving all required documentation which you now have.

18 U.S.C. 1028A By continuing to report fraudulent activity, you are effectively aiding in aggravated identity theft. This is a criminal offense.

15 U.S.C. 1681i ( a ) You are legally obligated to conduct a proper reinvestigation. If the data can not be verified with documented proof of my authorization, it must be deleted immediately. 
Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX Account Number : XXXX XXXX. Collection Account Number : XXXX These accounts and inquiries were not opened, authorized, or approved by me. They are the result of identity theft. Your continued delay only causes further damage to my financial profile, my peace of mind, and my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-10-28 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: GA

Complaint narrative:
Dear MRS BPO , LLC, I am writing on behalf of XXXX XXXX regarding fraudulent accounts associated with XXXX. The following accounts and ticket numbers have been wrongfully attributed to XXXX XXXX and are currently pending review with your agency : - Ticket Numbers : - XXXX - XXXX - XXXX - Order Information : - Order Number XXXX ( Total : {$270.00} ) - Reference Number : XXXX ( Order Number : XXXX ) - Amount from XX/XX/XXXX : {$110.00} - Contact Information : - XXXX in Business Department : XXXX Due to the fraudulent nature of these accounts, I insist that you immediately cease all collection activities related to them. The company XXXX XXXX XXXX XXXX is not affiliated with XXXX XXXX, and any claims regarding these accounts are a result of identity theft or erroneous bookkeeping. 

Moreover, due to these fraudulent claims, XXXX has incurred negligence by failing to reverse the amounts associated with these unauthorized transactions. To resolve this matter, I request the following : 1. Cease all collection activities regarding the accounts listed above.

2. Conduct a thorough investigation into these fraudulent claims and provide necessary documentation proving the legitimacy of the debts. Refund all amounts listed in check form 3. Correct any inaccuracies on XXXX XXXX ' credit report in compliance with the Fair Credit Reporting Act ( FCRA ) 609 and 623, as these accounts do not belong to her. 

Failure to comply with this cease and desist request within 30 days will result in further legal actions, including potential litigation for the recovery of funds, damages, and any penalties incurred due to the negligent handling of this matter. 

I appreciate your immediate attention to this urgent issue and expect a prompt confirmation that you have ceased all collection efforts regarding these accounts. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
Please review this entry ; it appears delayed and may contain an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted the Chase credit card for my XXXX rewards account. I stated that I paid my annual membership fee of {$95.00} on XX/XX/XXXX, however, had yet to receive my XXXX free night award per the terms of our agreement : " ' XXXX free night every year * Receive XXXX free night at any Category XXXX XXXX hotel every year after your cardmember anniversary. '' The customer service agent reviewed and agreed it was not in the account and that was atypical for a XXXX account and put in a ticket to address. 

On XX/XX/XXXX I received a notice from Chase dated XX/XX/XXXX, that I had received my " XXXX free night on XX/XX/XXXX ' - this would have been XX/XX/XXXXmonths BEFORE I paid my annual membership fee on XX/XX/XXXX. This would be an impossibility, per the terms of our credit card agreement. This was the - extremely late - annual free night award from the previous annual cardmember anniversary of XX/XX/XXXX. 

I called Chase on XX/XX/XXXX and they were unable to understand or address the issue, so I closed the account due to lack of transparency and adherence to the terms of the credit card agreement. 

On XX/XX/XXXX, I contacted Chase regarding my XXXX rewards credit card. I explained that although I paid my annual membership fee of {$95.00} on XX/XX/XXXX, I had not yet received the complimentary free night award as outlined in our agreement : " ' XXXX free night every year * Receive XXXX free night at any Category XXXX XXXX hotel every year after your cardmember anniversary. '' The customer service representative confirmed that the award was not present in my account, acknowledged this was unusual for a XXXX account, and submitted a ticket to resolve the issue. 

Subsequently, on XX/XX/XXXX, I received correspondence from Chase dated XX/XX/XXXX, indicating that I had received my " XXXX free night on XX/XX/XXXX. '' However, this date precedes my annual membership fee payment on XX/XX/XXXX, by approximately XXXX months, which is inconsistent with the terms of the credit card agreement. This award appears to relate to the previous cardmember anniversary of XX/XX/XXXX, and was issued significantly late. 

When I called Chase again on XX/XX/XXXX, they were unable to clarify or address the discrepancy. As a result, I made the decision to close the account due to concerns regarding transparency and adherence to the stated terms of the credit card agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-28 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: GA

Complaint narrative:
No XXXX-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX These accounts and inquiries were not authorized by me and must be removed from my report 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 non-monetary relief