vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 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: NC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Subject : Transunion Failed to Respond Within 30 Days to My FCRA Investigation Request To Whom It May Concern, I am submitting this complaint against Transunion for violating the Fair Credit Reporting Act ( FCRA ) by failing to complete and provide the results of an investigation within the required 30-day period. On [ insert date ], I submitted a written dispute to Transunion requesting an investigation into inaccurate and unverifiable information appearing on my consumer report. Under FCRA 611 ( a ) ( 1 ) ( 15 U.S.C. 1681i ), Transunion is required to : Conduct a reasonable investigation, and Provide the consumer the results within 30 days. It has now been over 30 days, and Transunion has not provided any response, results, verification, or communication. This is a direct violation of federal law. Under FCRA 611 ( a ) ( 5 ) ( A ), any disputed information that can not be verified during a timely investigation must be deleted. Because Transunion failed to complete the investigation or provide results within the required statutory period, the disputed information is legally considered unverifiable. Requested Action by CFPB I am requesting the CFPB to require Transunion to : 1. Conduct a lawful investigation, or 2. Delete all disputed accounts immediately due to failure to respond within 30 days, and 3. Provide me with an updated, corrected consumer report. Thank you for your assistance in resolving this violation of my consumer rights. 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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLLECTION SERVICES XXXX XXXX XXXX Utility Collection Consumer : XXXX XXXX DOB XXXX XX/XX/year> Complaint Summary I am submitting this complaint to report a serious violation of federal consumer protection laws involving the reporting and attempted collection of a fraudulent utility debt that I do not owe. 

My personal identifying information was exposed in the XXXX  data breach, which included my name, Social Security number, date of birth, and address. As a direct and foreseeable result of this breach, accounts that I never opened or authorized have appeared on my credit reports. I am a verified victim of identity theft. 

This is not a minor reporting error. The continued reporting and collection of this fraudulent account has severely damaged my credit profile, financial reputation, and ability to provide for my family. I am a father, and this unlawful reporting has restricted access to housing, transportation, and fair credit opportunities. 

Despite proper disputes, AMSHER Collection Services has failed to provide lawful debt validation and continues to report inaccurate information.

Identity Theft & Mandatory Blocking Under 15 U.S.C. 1681c-2 ( FCRA 605B ), identity-theft-related information must be blocked and removed within four ( 4 ) business days of notice. Continued reporting after notice constitutes willful non-compliance.

Debt Validation Demand FDCPA 1692g Because this account is the result of identity theft, I formally demand full debt validation pursuant to 15 U.S.C. 1692g, including : A complete, itemized payment history The original signed contract bearing my wet signature Proof I authorized or benefited from this account Disclosure of any insurance claim, bond claim, or tax write-off Full chain of title proving legal authority to collect Absent this documentation, the alleged debt is unenforceable and must be deleted.

Violations of Law 15 U.S.C. 1692g Failure to provide proper debt validation 15 U.S.C. 1692c ( c ) Continued collection without validation 15 U.S.C. 1681e ( b ) Reporting without maximum possible accuracy 15 U.S.C. 1681i ( FCRA 611 ) Failure to reasonably reinvestigate 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft information Account Details Original Creditor : XXXX  Collector : AMSHER Collection Services Amount : {$340.00} Account # : XXXX Resolution Requested Immediate deletion from all credit bureaus Written confirmation of deletion Cessation of all collection activity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I am submitting an updated complaint regarding USAA XXXX XXXX Banks handling of my IRS tax refund deposit. On XX/XX/year>, I deposited an IRS refund check payable to both me and my spouse. Upon deposit, USAA immediately restricted my account. Despite this restriction : The check cleared the U.S. Treasury. 
My negative balance of {$230.00} was paid off using the funds. 
The remaining {$6900.00} has remained in the account. 
USAA has paid monthly interest on these funds since May.

I received only one written notice from USAA stating that my account was restricted and subject to a 60-day hold under the depository agreement. That hold period has long expired, yet USAA continues to restrict access to my funds without providing any additional written explanation or legal justification. All subsequent statements from USAA have been verbal, contradictory, and fail to comply with federal banking regulations or the banks own policies. 

I believe USAAs actions are influenced by a prior, unrelated {$700.00} reversal and internal account notes or automated compliance flags rather than a proper review of the cleared IRS check. Previous attempts to submit re-review requests under their depository agreement did not resolve the issue and only serve to extend the hold period.

After eight months, USAA continues to claim the funds do not belong to me and refuses to release them. This conduct is procedurally improper and has caused financial harm by preventing access to funds to which I am legally entitled. 

In addition to the immediate release of my funds, I am requesting compensation for the financial harm caused by USAAs improper restriction of my account. The banks actions including holding cleared IRS refund funds for eight months, failing to provide written justification after the initial 60-day hold, and repeatedly giving me the run-around via phone and internal transfers have resulted in tangible financial hardship. This includes missed payments, inability to access funds when needed, and other opportunity costs directly related to the restricted {$6900.00} in my account. I request that USAA be required to compensate me for these losses, in addition to releasing the funds, and provide a written explanation of any compensation determination.

I am requesting : 1. Immediate release of the restricted funds. 
2. A written explanation citing the legal authority or policy justifying USAAs continued withholding of these funds. 
XXXX. An investigation into USAAs internal procedures to ensure that legitimate deposits are not indefinitely restricted. 

Sincerely, 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 2025-12-23 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: NJ

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I NOTICED INQUIRES NOT MINE ON THERE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX\nExperian\XXXX XXXX XXXX, TX XXXX\nSubject: Dispute of Inaccurate Information on My Credit Report\nDear Experian,\nI am writing to dispute the following inaccurate information on my credit report, which I found\nduring a recent review of my report from Experian. This dispute is being submitted pursuant to\nmy rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the\nreporting of accurate information by credit reporting agencies and furnishers of credit data.\nDisputed Account Details:\XXXX. XXXX  CARD XXXX. XXXX XXXX XXXX XXXX\nThis account is inaccurately reported. I am attaching supporting documentation to prove that\nthe information is incorrect, including:\n- Copy of ID\n- SSN\n- Proof of Address\nAccording to the FCRA, you are required to investigate my dispute within XXXX  days of receiving\nthis letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.\n 1692, debt collectors and creditors must report accurate information and correct or delete\nincorrect data promptly.\nRequest for Action:\XXXX. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate\ninformation from my credit report across all relevant credit bureaus.\XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this\ndispute within XXXX  (XXXX) business days, and a final resolution within the legally mandated\ntimeframe.\XXXX. Notify the Bureaus: If you determine that the account was reported incorrectly, please\ninform all three credit bureaus so they can update my report accordingly.\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial\nProtection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals\nOffice.\nLegal Notice:\nPlease be advised that this letter serves as formal notice that I reserve my rights under all\napplicable federal and state consumer protection laws. If further inaccuracies or noncompliance\nare identified, I may pursue additional actions.\nThank you for your prompt attention to this matter. Please send any responses or updates XXXX.\nSincerely,\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 2025-12-23 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: KS

Complaint narrative:
I am writing to dispute the reporting of late payments and delinquent status on my account. The information being reported is inaccurate because the payments were made in accordance with the agreed terms and should not be reported as late. I request that the reported late payment and delinquency be corrected to reflect Paid as Agreed and that all delinquency remarks be removed as part of your investigation under the Fair Credit Reporting Act.

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 2025-12-23 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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