vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: WA

Complaint narrative:
Let me be clear that this complaint is legitimate and demands immediate attention.

My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy.

These errors are having a serious and ongoing negative impact on my life.

I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay.

Resolving this issue is not only necessary, it is critical.

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 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: OH

Complaint narrative:
I have disputed negative remarks and in accurate information on my credit report which in return is hurting my credit when creditors pull my report and see untrue negative remarks... credit was denied several times because of the negative remarks made by chime

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Innovis Consumer Assistance for violations of the Fair Credit Reporting Act ( FCRA ) and CFPB Regulation V related to inaccurate, misleading, and non-compliant credit reporting.

I disputed multiple accounts on my Innovis consumer credit report after conducting a detailed compliance audit. The accounts in question are not reporting with maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and can not be verified as accurate and complete under 15 U.S.C. 1681i. 

Specifically, Innovis is reporting accounts that exhibit the following violations : Charge-off accounts reported with ongoing monthly payment histories and active delinquency indicators, which is prohibited under XXXX XXXX XXXX reporting standards Balances exceeding original credit limits without contractual disclosure or accounting explanation Conflicting charge-off amounts and incomplete account histories Missing or unverifiable Date of First Delinquency ( DOFD ) information, creating a risk of unlawful re-aging Continued reporting updates during and after disputes without evidence of a reasonable investigation Improper dispute handling, including closing disputes without correcting or deleting materially misleading information These reporting practices render the accounts misleading even if some data points may be technically accurate. Courts have consistently held that misleading credit reporting violates the FCRAs accuracy requirements. 

Despite my formal written dispute and supporting documentation, Innovis has failed to demonstrate that it conducted a reasonable investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ) and CFPB Regulation V, which requires review of underlying account-level documentation rather than reliance on automated verification systems.

Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified as accurate and complete must be deleted. Correction is not an acceptable remedy where the reporting is structurally non-compliant with XXXX XXXX standards and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: LA

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of late payments on the account listed as XXXX XXXX XXXXXXXX Account # XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
After several requests of negative remarks be removed from the report ... Because of negative remarks consumer wss denied several times for the negative remarks...

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
I experienced an accounttakeover fraud incident on XX/XX/XXXX. I received a call that appeared to come from USAAXXXX official number about alleged fraud. The caller sent a code to my phone, which I provided, not realizing it allowed the scammer to take control of my device. When I realized the call might be fraudulent, I contacted USAA immediately, but by that time the scammers had already changed my phone password and my USAA PIN. 

Because my phone was compromised, USAA could not authenticate me, and I was unable to reach anyone beyond frontline support. I accessed my account through my laptop ( where I still had an active session ) and saw the scammers moving money between my accounts in real time. I called USAA again, but authentication was still impossible, and shortly after I was fully locked out of all my accounts. 

I submitted my drivers license through USAAXXXX verification portal on XX/XX/XXXX. On XX/XX/XXXX, I received the verification call and confirmed my identity. However, when transferred to the Fraud Department, they attempted to send a verification code to my phone, which I still can not access because the scammers changed the password and my carrier is still restoring my device. I asked for an alternative verification method, but was told I would need to resubmit my ID and wait another XXXX  days before they could update my authentication method. 

I am currently locked out of my accounts with no way to authenticate, no alternative verification option, and no emergency escalation path. This complaint is not only about restoring my access, but also about the serious break in USAAXXXX fraudresponse process. As a member, I was left without any recourse during an active fraud event because their protocols do not account for situations where a members device is compromised and standard authentication becomes impossible. 

I am requesting that USAA restore my access and review its fraudresponse protocols to ensure members are not left helpless in similar situations.

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 2025-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
mr cooper / XXXX XXXX  took my escrow account out of my regular monthly payment with out my consent they kept insisting i do a refi which i didn't want all of the sudden i have no escrow to pay i tried every possible way of having this fixed to no avail i contact it them multiple time since XX/XX/XXXX till XXXX i paid escrow from XXXX to XXXX now they're saying they couldn't do nothing cause it's been over 90 days and that money was put towards my principal my monthly payment jumped from {$2100.00} to {$3300.00} which i can afford monthly payment was XXXX plus XXXX which came out to be XXXX which i paid from XX/XX/XXXX to XX/XX/XXXX now is XXXX i also sent extra payments of XXXX XXXX towards my principal plus the {$630.00} from XX/XX/XXXX to XX/XX/XXXX they put some money back on my escrow but not everything i feel they're trying to force me to refi which i dont want to do this happened only when they became rocket mortgage company i never had trouble with mr cooper.. XXXX have a equity of {$200000.00} dollars thats why i feel the want a refi from me but this is my retirement money please help me with this predatory abuse of authority

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding my auto loan account with Ally. 

I am requesting immediate review and action due to mishandling of my approved loan modification, improper vehicle repossession, and related credit reporting. 
Q Summary of Issue : I requested a loan modification, which was approved. 
When attempting the first payment under the modification, I was informed the modification was no longer in place. I received no prior notice of this change. 
My attempts to dispute this issue with Ally were ignored. 
Ally repossessed my vehicle using a third-party repossession service that had me illegally followed. I walked into my job and then went back to my car to go to a different location, and my car was gone within about 30 minutes. 

While they retrieved the vehicle, my belongings were inside, and when I made a XXXX belongings were inside, and when I made an appointment to retrieve them, they demanded I remove all personal items at once without providing a reasonable way to do so, despite knowing I lacked transportation. 

I was denied the opportunity to inspect the vehicle before items were removed, and my garage remote was left inside the car. They also made me hurry up and sign the electronic documents that states theres no damage when they actually did break a pair of sunglasses and Im not sure that they put everything in the bag. 

Despite these issues, Ally reported a charge-off to credit bureaus, negatively affecting my credit. I feel like after I disputed the charge off on my credit report that they got more aggressive with the repossession efforts. A person should never be followed, as if they are under some sort of private investigation. 

Impact : The vehicle is essential for transporting my children to school, maintaining their stability, and for my work obligations. My son also has mental health issues and needs to get to his doctors appointments. 

The repossession and mishandling caused significant financial, logistical, and emotional hardship. 

The inability to retrieve personal items in a reasonable way further exacerbated the disruption. 

Requested Resolution : Reinstate the previously approved loan modification. 
Waive any fees, penalties, or back payments resulting from Allys error. 
Correct any inaccurate credit reporting, including removal of the charge-off. 
Return my vehicle immediately, or provide an alternative remedy to prevent further harm. 
Provide compensation or accommodation for the mishandling of personal items during repossession. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure Ally remedies the harm caused, complies with the approved modification, and corrects any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The accounts in question do not belong to me, they were not authorized by me. They were created due to fraud, for that reason alone they must be removed per 15 usc 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX here is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: PA

Complaint narrative:
I am disputing the reporting of the XXXX account, XXXXXXXX XXXX XXXX XXXX Balance : {$2000.00}, Date Opened : XX/XX/XXXX, Date Last Active : XX/XX/XXXX ) * *, which is inaccurately reported as having late payment activity. My records indicate that this account was not delinquent during the periods reported, and there is no documentation showing verified late payments. Reporting unverified or inaccurate late payments violates FCRA 611 ( a ) ( 1 ), which grants me the right to dispute inaccurate information and request reinvestigation, and FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only information that is complete, accurate, and verifiable. Additionally, FCRA 607 ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy. The reporting of false late payments on this account misrepresents my creditworthiness, negatively impacts my credit score, and may influence lenders to deny or limit access to fair credit and financial services. I request that XXXX provide complete supporting documentation, including statements, payment history, and account communications, to substantiate the reported late activity, the late payment reporting entirely if verification can not be provided.

The inaccurate reporting of this late open account has caused tangible financial harm. The reporting of unverified late payments over a period of nearly nine years paints an inaccurate picture of my payment history and financial responsibility, which can negatively affect loan approvals, interest rates, insurance premiums, and rental applications. Reporting unverifiable delinquencies also violates FCRA 609 ( a ), which gives consumers the right to obtain verification of information in their credit file, and FDCPA 807 and 809, which prohibit false, misleading, or deceptive reporting. It is critical that this account be reinvestigated thoroughly, with all historical documentation verified directly with XXXX, and any discrepancies corrected to maintain accuracy in my credit report.

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 2025-12-27 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: VA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

Unauthorized Accounts Listed Below : 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 2025-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Md XX/XX/XXXX Last XXXX SSN. XXXX Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal Cease and Desist Notice pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable federal and state laws.

I am notifying your bureau to immediately cease and desist from any further reporting, verification, reinvestigation, or dissemination of information regarding the accounts that I have previously disputed, including but not limited to inaccurate, unverifiable, obsolete, closed, or charged-off accounts appearing on my consumer credit report.

Under 15 U.S.C. 1681e ( b ), you are required to maintain and report only information that is accurate and verifiable. Under 15 U.S.C. 1681i, once information is disputed and can not be properly verified, it must be deleted. Any continued reporting of unverified or disputed data constitutes willful noncompliance. Furthermore, under 15 U.S.C. 1681c, obsolete or legally non-reportable accounts must be removed. Any continued communication or reporting after receipt of this notice will be considered harassment and a violation of federal law. Accordingly, I demand that you : 1. Cease all reporting and reinvest
igation activities regarding the disputed accounts 2. Remove all inaccurate, unverifiable, or closed accounts from my credit file 3. Cease further communication with me regarding these matters except to confirm deletion in writing Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and potential legal action for statutory, actual, and punitive damages as allowed under 15 U.S.C. 1681n and 1681o.

This notice is not a refusal to pay any lawful debt but a lawful demand for compliance with federal credit reporting laws. 

Company. XXXX XXXX XXXX Account number. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX EQUIFAX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX I received a copy of my credit report and found the following items to be errors. The items in question are listed below : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : BANK XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). I am keeping a careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this letter will result in a small claims action against your company. I will be seeking damages for : Defamation Violation of the Fair Credit Reporting Act Please be aware that, depending upon your response, I may be detailing any potential issues with your company via the XXXX XXXX XXXX 
Additionally, please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter. 
Sincerely, 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