vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-12-22 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I traveled from Oklahoma to XXXX XXXX and returned home to Oklahoma on XX/XX/XXXX. On XX/XX/XXXX, while I was physically in Oklahoma, I discovered an unauthorized charge for {$420.00} from a merchant listed as " XXXX * XXXX XXXX XXXX. '' I immediately contacted USAA on XX/XX/XXXX to report this fraud, and they initially provided a provisional credit to my account. However, on XX/XX/XXXX, USAA reversed this credit and debited the {$420.00} from my account, which created a negative balance during the XXXX season and caused significant financial hardship. When I called to contest this, I was told the dispute was denied because the transaction was " chip-authenticated. '' Following the suggestion of a USAA representative, I uploaded my XXXX XXXX itinerary proving I was in Oklahoma and not XXXX XXXX on the date of the transaction. Despite this evidence making it physically impossible for me to have been present for a " card-present '' chip transaction, USAA has failed to protect my account. This is a violation of Regulation E, 12 CFR 1005.11, which requires a financial institution to conduct a reasonable investigation. USAAs reliance on a chip reading while ignoring documented proof of my physical location is unreasonable. I am requesting a permanent restoration of the {$420.00}, the removal of any associated fees, and a copy of the documents of reliance used to deny this claim.

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 2025-12-22 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am submitting this correspondence as a formal and comprehensive request for reinvestigation regarding the accuracy, completeness, and characterization of several accounts currently reporting on my credit file. I routinely monitor my credit reports to ensure that all information being furnished reflects a complete, fair, and accurate representation of my financial history. During my most recent review, I identified several accounts that are reporting late payment indicators in a manner that does not fully or properly reflect the true status, resolution, or performance of these accounts under their respective agreements. 
Below, I am providing additional context and detail for each account requiring correction. I am requesting that each be updated to accurately reflect paid as agreed consistent with the actual nature of the accounts. 
XXXX XXXX XXXX Balance : {$1000.00} Late XXXX days XX/XX/year> XXXX XXXX Balance : {$1900.00} XXXX XXXX SERVICES XXXX Balance : {$0.00} AFFIRM XXXX XXXX XXXX : {$0.00} AFFIRM XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} The Fair Credit Reporting Act ( FCRA ) was enacted to protect consumers by requiring credit reporting agencies to maintain maximum possible accuracy. Under FCRA XXXX ( XXXX XXXX. XXXX ), Additionally, FCRA XXXX ( a ) ( XXXX ) imposes a continuing duty on furnishers to correct and update information that is determined to be inaccurate or incomplete, while FCRA XXXX ( b ) requires furnishers to conduct a reasonable investigation once a dispute is received. The billing protections outlined in XXXX U.S.C. XXXX and XXXX further support the correction of account-related inaccuracies and the proper handling of account status during review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this correspondence as a formal and comprehensive request for reinvestigation regarding the accuracy, completeness, and characterization of several accounts currently reporting on my credit file. I routinely monitor my credit reports to ensure that all information being furnished reflects a complete, fair, and accurate representation of my financial history. During my most recent review, I identified several accounts that are reporting late payment indicators in a manner that does not fully or properly reflect the true status, resolution, or performance of these accounts under their respective agreements. 
Below, I am providing additional context and detail for each account requiring correction. I am requesting that each be updated to accurately reflect paid as agreed consistent with the actual nature of the accounts. 
XXXX XXXX XXXX Balance : {$1000.00} Late XXXX days XX/XX/year> XXXX XXXX Balance : {$1900.00} XXXX XXXX SERVICES XXXX Balance : {$0.00} AFFIRM XXXX XXXX XXXX : {$0.00} AFFIRM XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} The Fair Credit Reporting Act ( FCRA ) was enacted to protect consumers by requiring credit reporting agencies to maintain maximum possible accuracy. Under FCRA XXXX ( XXXX XXXX. XXXX ), Additionally, FCRA XXXX ( a ) ( XXXX ) imposes a continuing duty on furnishers to correct and update information that is determined to be inaccurate or incomplete, while FCRA XXXX ( b ) requires furnishers to conduct a reasonable investigation once a dispute is received. The billing protections outlined in XXXX U.S.C. XXXX and XXXX further support the correction of account-related inaccuracies and the proper handling of account status during review.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I filed a Damage & Theft Purchase Protection claim with Citis third-party benefits administrator for an item purchased using my XXXX Anywhere XXXX card ( Claim # XXXX ). I filed the claim on XX/XX/year>. 

I have submitted every required document multiple times, including : The purchase receipt My credit card statement showing the transaction A signed Police Report Unavailability Statement Supporting documents in clear PDF and XXXX formats Despite this, the benefit administrator repeatedly sends form letters asking for the same documents, claiming they can not view files even though they were sent in standard formats. The claim has not moved to review and remains stuck in an automated loop for over XXXX weeks. 

The remaining issue is that the administrator continues to demand a police report from XXXX XXXX. I contacted the XXXX XXXX Police Department directly, and they confirmed that they CAN NOT file a delayed theft report under any circumstances. They stated that only the officers present at the time could have generated a report, and there is no legal or procedural method to obtain XXXX after the fact. 

This means it is impossible to satisfy Citis request for a police report. The jurisdiction does not allow delayed reporting, and the police confirmed this directly. Under Citis benefit terms, when a report can not be obtained from the authority, a signed Police Report Unavailability Statement is the required substitute document.

I provided that statement multiple times, yet the claim administrator refuses to attach it to the required field and continues to request a document that the issuing authority explicitly stated does not exist and can not be created. 

The claim is stalled entirely due to administrative errors and refusal to accept documentation allowed under their policy.

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 monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I contacted U.S. Bank multiple times and tried to correct my address on bill pay checks. On my last contact with U.S. Bank, I was advised it would be corrected. 

After that conversation, I subsequently used bill pay and it has still not been updated. Recent bill pay check # XXXX dated XX/XX/2025 has this incorrect address : XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX The address should be : XXXX XXXX XXXX XXXX CA XXXX Also, when I call U.S BANK, i often get some robocallers in the XXXX that often are affiliated with scam call centers. I repeatedly asked to be transferred to a representative only in the United States as I am in the United States. Im doing business in the United States with the US Bank. I only want to speak to a U.S. representative.. I spent hours on the phone getting transferred around. They refused to get me somebody in the United States.

In the past, I got scammed by scammers after speaking to so called outsourced call centers hired by U.S. corporations that pirated information accessed on my account. Therefore I refuse to talk to outsourced agents. 

I only want to speak to a U.S. representative

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 2025-12-22 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: AR

Complaint narrative:
I am filing a complaint regarding the accuracy and integrity of my student loan information following the DOGEDepartment of Education data access incident in early XXXX.

This incident compromised borrower data, and I am concerned that the information being furnished to consumer reporting agencies may now be inaccurate or unverifiable.

Under FCRA 611 ( a ) ( 1 ) ( A ), I disputed the information with the credit bureaus and requested verification. I also contacted my loan servicer. Neither party has provided documentation proving that my information was unaffected by the breach.

I am requesting that the CFPB require the furnisher and credit bureaus to : 1. Verify the accuracy and integrity of my student loan data, or 2. Delete any information that can not be verified.

I am requesting your assistance in ensuring compliance with federal law.

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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed information such as XXXX XXXX XXXX reporting that my loan was delinquent status when payments were made under a deferred plan that we both agreed on! transunion stated the company disagrees and closed out my dispute and when i tried to re-dispute the issue transunion declined! my next step is to seek legal action because I have proof that payments were made as well as suncoast during XXXX if it werent payments made for a whole year the balance of the car would be the same! the only payments were not made was XX/XX/XXXX, and XX/XX/XXXX due to them not resolving the issue! as well as I requested another dispute regarding another issue about regarding XXXXXXXX XXXX  insurance company which i never had! ive always had XXXX XXXX my information was involved in several data breaches and ive been a victim of identity theft in the past!

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 2025-12-22 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I disputed a collection account reported by National Credit Systems and requested debt validation in writing.

Multiple requests were sent, but no documentation, contracts, or proof of liability were ever provided. Despite receiving notice, National Credit Systems continued reporting the account without validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in response to a notification from the credit reporting agency stating that the bankruptcy public record on my credit report has been verified. This response is inaccurate and fails to comply with the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting the Method of Verification ( MOV ) used to allegedly verify this bankruptcy public record. Specifically, I am requesting the following information in writing : The name, address, and telephone number of the person or entity that verified the bankruptcy information. 

A detailed description of the procedures used to verify the accuracy of the bankruptcy public record. 

The specific documents relied upon during the verification process. 

The date the verification was performed. 

A detailed explanation of how the information was verified as accurate, given that both the United States Bankruptcy XXXX for the Middle District of Georgia and PACER ( Public Access to Court Electronic Records ) have confirmed in writing that they do not report bankruptcy information to consumer reporting agencies. 

I have already provided written documentation from both the Bankruptcy XXXX and PACER confirming that neither entity furnishes bankruptcy data to credit bureaus. Copies of these confirmations were previously submitted and are enclosed again for reference. 

Because the alleged source of the bankruptcy information does not report to consumer reporting agencies, the continued reporting of this bankruptcy public record is unverifiable, inaccurate, and noncompliant with the FCRA, including 15 U.S.C. 1681e ( b ) and 1681i ( a ).

If the credit reporting agency is unable to provide the complete Method of Verification as required by law, the bankruptcy public record must be deleted immediately. Continued reporting without lawful verification constitutes a failure to follow reasonable procedures to ensure maximum possible accuracy. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the credit reporting agency to either : Provide full and lawful verification as required by the FCRA, or Remove the bankruptcy public record from my credit report immediately. 

Failure to comply with these statutory obligations represents a clear violation of federal consumer protection law.

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 2025-12-22 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief