vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/year>

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH

Complaint narrative:
I am reporting a critical security vulnerability in the USAA XXXXXXXX app that prevents me from accessing my account through their mobile application. The app crashes due to a reproducible memory access violation in its native code on XXXX XXXX devices, rendering the app unstable and unusable, and potentially exposing all users to the risk of arbitrary code execution. 

Despite providing USAA with detailed crash logs and technical information, both their in-app support and official XXXX help channel refused to escalate the issue to the appropriate teams or address it themselves. This is a serious security problem that requires prompt attention.

USAAs failure to act on this technical vulnerability can leave customers unable to reliably access their accounts and may violate federal regulations, including the Gramm-Leach-Bliley Acts Safeguards Rule, which mandates that financial institutions protect consumer data and ensure system security.

I am submitting this complaint to formally document their refusal to address a security flaw that directly impacts consumers ability to manage their accounts safely and securely.

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 2025-07-15 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: TX

Complaint narrative:
I am filing this complaint against Experian due to inaccurate and misleading reporting on two XXXX XXXX XXXX XXXX accounts. These accounts were charged off in XXXX and have had no activity since that time. However, Experian is continuing to report both accounts as past due as of XX/XX/XXXX, which is a future date, and misrepresents the status of these closed, charged-off accounts. 

Details : Account # XXXX : {$10000.00} charged off, last payment XX/XX/XXXX Account # XXXX : {$16000.00} charged off, last payment XX/XX/XXXX Both accounts are falsely reporting as if they are actively past due with current delinquency, which is not possible. This is a violation of FCRA 605 ( c ) and 607 ( b ), as the data is neither accurate nor complete.

Experian is also reporting a high credit utilization ( 107 % and 112 % ) on closed accounts, further distorting my credit profile. I did not receive any written notice or verification regarding this reporting.

This creates the false appearance that these debts are fresh and unpaid, when in fact they were charged off years ago. This practice is deceptive and can materially harm consumers by extending the impact of negative marks beyond the legal reporting window.

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 2025-07-15 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 XXXXXX/XX/year>

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Paramount GR Holdings, LLC
State: NM

Complaint narrative:
A solar panel mortgage, what's opened under my name as a joint account. I did not agree nor sign any of the documents to the loan. I have been trying for the past year and a half to get this off of my credit report. I have disputed with XXXX several times in the past to get this removed. I have spoke to the XXXX XXXX attorney general, and they were unable to help me. I spoke to a private attorney and he did not want to take my case. I spoke to several attorneys and kept referring me back to the original attorney I spoke to that, did not want to take the case. This account is XXXX  days behind XXXX. It is really damaging my credit for something I did not do or agree to. XXXX  is just giving me the runaround. And this company named Goodleap LLC  is not responding anymore. I need help and nobody, including the attorney general, wants to help no or investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

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

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a final legal demand regarding Experians unlawful handling of multiple disputes I have submitted since XX/XX/year>, specifically concerning the duplicate and false reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} These two accounts are for the same alleged debt and are both being reported on my credit file. This is a clear violation of Metro 2 reporting standards and of the Fair Credit Reporting Act ( FCRA ) 611 and 623. Despite my repeated disputes, you continue to list both as verified without proper investigation or validation.

I have made good faith efforts to resolve these issues properly. Yet, Experian has engaged in stalling tactics, including stating investigations may take 60 days and then falsely marking the accounts as verified within a few days with no documentation ever provided. This is not only noncompliant with FCRA 611 ( a ) ( 1 ) ( A ), but also constitutes willful neglect of consumer protection laws.

At this point, I am no longer asking I am demanding that both of these accounts be permanently removed from my Experian credit report within 3 business days of receiving this notice.

Failure to do so will result in the following actions : I will retain a consumer protection attorney I will file a civil lawsuit through my local courthouse for violations of FCRA 616 and 617 I will also file formal complaints with t my State Attorney Generals Office You are knowingly reporting false, duplicated, and unverified accounts and have failed to provide : A copy of the original contract with my signature The full method of verification as required by FCRA 611 ( a ) ( 7 ) Any assignment of debt documentation This negligence is actively damaging my credit score, blocking financial opportunities, and creating lasting harm to my economic well-being. You have already had ample time to fix this I will not tolerate further delays.

FINAL NOTICE : Remove both accounts immediately within 3 business days or legal action will follow without additional warning. 

Sincerely, 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 2025-07-15 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I am formally demanding that the Consumer Financial Protection Bureau investigate and compel the permanent deletion of my record from ChexSystems, a nationwide specialty consumer reporting agency governed by the Fair Credit Reporting Act ( FCRA ). ChexSystems has continued to report inaccurate, outdated, and unverified information that has severely impaired my ability to access basic banking services. Under FCRA 15 U.S.C. 1681e ( b ), ChexSystems is required to maintain maximum possible accuracy, and under 1681i ( a ), it must conduct a reasonable reinvestigation of disputed data. I assert that the information being reported is either unverifiable, erroneous, or no longer legally reportable under the five-year retention policy outlined by ChexSystems and applicable law. I demand that the CFPB enforce my rights under the FCRA and require ChexSystems to permanently delete all adverse entries associated with my file and cease any further reporting that violates federal consumer protection statutes.

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 2025-07-15 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: MI

Complaint narrative:
I have recently reviewed my credit report and noticed these fraudulent and inaccurate accounts on my report. Please remove these items as they hurt my ability to obtain credit.

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 2025-07-15 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: MS

Complaint narrative:
15 U.S.C.1681 sec 602A states I have the right to privacy.15 U.S.C. sec604 A sec 2 also states a consumer reporting agency can not furnish a account without my written instructions so therefore the following items should be removed from my credit report.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 XXXXXXXX should re removed from my credit report. XXXX XXXX was never in any bankrupticy! also my mortgage account # is totally different. I have reported this to my mortgage 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 2025-07-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-07-15 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: MO

Complaint narrative:
To whom may concern Due to the recent lawsuit filed against Equifax, and Experian on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of the investigation. Which i ask that you provide to me in exact detail via mail and not through your online portal. Your online portal is not accurate.

Please delete all the negatives items disputed information within the required timeline of 30 days as set forth per the FCRA which is is federal law. 

Best regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I executed a vehicle lease agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As part of this this transaction, I traded in my XXXX, XXXX XXXX. VIN No : XXXX with an outstanding lien of {$17000.00}, held by a previous lender. The signed purchased agreement ( Document attached ) explicitly required the dealership to pay off this lien in full. Despite this contractual obligation, XXXX XXXX automative group failed to remit payment to my previous lender ( XXXX ). Subsequently, without my authorization or legitimate business need, the dealership 's finance department initiated multiple hard inquiries through 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 explanation
Consumer complaint received 2025-07-15 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 XX/XX/XXXX, I executed a vehicle lease agreement with XXXX XXXX XXXX XXXX Colorado XXXX XXXX, located on ( XXXX XXXX XXXX XXXX, Colorado, Colorado XXXX, XXXX ). As part of this this transaction, I traded in my XXXX, XXXX XXXX. VIN No : XXXX with an outstanding lien of {$17000.00}, held by a previous lender. The signed purchased agreement ( Document attached ) explicitly required the dealership to pay off this lien in full. Despite this contractual obligation, XXXX XXXX automative group failed to remit payment to my previous lender ( XXXX ). Subsequently, without my authorization or legitimate business need, the dealership 's finance department initiated multiple hard inquiries through XXXX and XXXX Auto on XX/XX/XXXX, twice on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and again on 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 2025-07-15 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: TX

Complaint narrative:
On XX/XX/XXXX, I executed a vehicle lease agreement with XXXX XXXX XXXX XXXX Colorado XXXX XXXX, located on ( XXXX XXXX XXXX XXXX, Colorado, Colorado XXXX, XXXX ). As part of this this transaction, I traded in my XXXX, XXXX XXXX. VIN No : XXXX with an outstanding XXXX of {$17000.00}, held by a previous lender. The signed purchased agreement ( Document attached ) explicitly required the dealership to pay off this lien in full. Despite this contractual obligation, XXXX XXXX automative group failed to remit payment to my previous lender ( XXXX ). Subsequently, without my authorization or legitimate business need, the dealership 's XXXX department initiated multiple hard inquiries through XXXX and XXXX Auto on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and again on 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 non-monetary relief
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA XXXX ( XXXX U.S.C. XXXX ), the credit bureaus are required to act swiftly and remove fraudulent accounts within XXXX business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy.XXXX  XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$530.00} XXXX XXXX XXXXXXXX BALANCED {$2400.00} CXXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX  XXXX BALANCED {$5000.00} XXXXXXXX XXXX XXXX BALANCED {$1000.00} XXXX XXXX XXXX XXXX  XXXX * * * Balance Owed : {$1000.00} XXXXXXXX XXXX XX/XX/year>

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 2025-07-15 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: DE

Complaint narrative:
I am demanding that you remove these fraudulent items immediately. 
These accounts must not continue to be reported on my consumer file, as their presence is a clear violation of my rights. According to XXXX XXXX XXXX XXXX, consumer reporting agencies may only disclose a consumer report under strictly limited conditions primarily, with the consumers written authorization. 
I want to make it very clear : I have never provided written consent for any agency to furnish or report these accounts. Absent my written permission, the reporting of this information constitutes an additional violation of my federally protected rights, and further acts of identity theft. 
Accordingly, I am formally insisting that all such accounts be deleted immediately from my consumer report. Continued noncompliance will be regarded as willful negligence and may be pursued through legal and regulatory channels. 
This matter requires your immediate attention.

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 2025-07-15 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:
b'Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit reportXXXX 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 explanation