vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and identified multiple inaccuracies involving how certain collection and charge-off accounts are being reported. These accounts are not being reported according to FCRA accuracy standards or XXXX credit reporting guidelines. I have attempted to dispute and request verification, but the companies have not provided documentation to substantiate the balances, dates, ownership, or status coding being reported. 

Here are the issues affecting my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts are being reported as Open or with monthly charge-off histories, and in some cases show a Past Due balance. 
Collections should be reported as Collection accounts, with Past Due = {$0.00}, and no monthly payment/charge-off grid. 
I have not received itemized billing statements or verification of the balances. 
XXXX. XXXX. XXXX ( XXXX ) The account is reported with monthly charge-off coding and Past Due balance, which is misleading.

I requested validation and did not receive final billing, service termination documentation, or itemization. 
XXXX. Transworld Systems ( XXXXXXXX XXXX XXXXXXXX XXXX ) These accounts show Affected by natural disaster remarks, which I did not request and do not apply to me. 
They also show collection charge-off reporting patterns that are not consistent with XXXX standards XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same debt appears to be reporting multiple times across different furnishers.

One version shows it as an Open Account with a Past Due balance, and another as a Collection.

I have not been provided chain-of-title or itemized breakdown to confirm the accuracy. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) These accounts are reported with ongoing charge-off coding and Past Due amounts even though they are in Collection status. 
I requested verification, but no contract, billing records, or assignment documents were provided. 
XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The accounts are being reported as Open/Installment or with misleading codes such as XXXX, along with Past Due balances. 
I have not been provided the chain-of-title documentation confirming XXXX owns these debts, nor itemized accounting.

7. Original Creditor Charge-Off Accounts ( Synchrony, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX Several charge-off accounts show Past Due = balance long after charge-off, and continuing CO updates that may suggest re-aging.

I am requesting confirmation of the Date of First Delinquency ( DOFD ) to confirm the correct reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below : XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  The payment in question was made on time and must not be reported as late. Under 15 U.S. Code 1666b ( Timing of Payments ), a creditor may not treat a payment as late if it was received by XXXX XXXX on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate report. 
I am demanding that the account be immediately updated to reflect Paid Never Late across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX regarding this matter. 
If this issue is not resolved within XXXX  days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint against USAA Federal Savings Bank regarding their failure to pay arbitration fees in a credit card dispute governed by a binding arbitration agreement. I initiated arbitration through XXXX XXXX XXXX since I had tried to amicably resolve this with USAA on multiple instances ( see below ). USAA failed to pay the required fees after 39 days from the initial notice, resulting in a default under the providers rules. 
Date Event XX/XX/year> XXXX letter to USAA XX/XX/year> XXXX letter to USAA XX/XX/year> Formal demand letter to USAA XX/XX/year> XXXX formal and final demand letter sent to USAA XX/XX/year> Initiation of arbitration proceedings against USAA XX/XX/year> XXXX notifies USAA of obligation to pay arbitration fee XX/XX/year> XXXX notifies USAA of XX/XX/year> deadline to pay fees XX/XX/year> Deadline for USAA payment passes without action XX/XX/year> XXXX notifies parties of closing the case due to USAA non-payment XX/XX/year> Letter to XXXX requesting default judgement due to USAA non-payment XX/XX/year> Complaint filed with CFPB Obviously, it is hard to believe that 39 days is not an adequate amount of time to pay a {$600.00} fee for a {$37.00} XXXX in revenue corporation. This conduct obstructed the resolution process and denied me access to the dispute forum USAA required contractually. I am currently pursuing reconsideration of the arbitration award, and, if denied will pursue litigation. USAAs refusal to participate in good faith has caused significant delay, stress, and financial burden. 

I respectfully request that the CFPB investigate whether USAA is using arbitration clauses to avoid resolving legitimate consumer disputes and whether this reflects a broader pattern of unfair or deceptive practices and bad faith. 
Attached Documents : XXXX Credit card agreement with arbitration clause XXXX. XXXX filing confirmation from XXXX XXXX XXXX XXXX. Notice of USAAs failure to pay arbitration fees XXXX. Correspondence with USAA and/or XXXX XXXX XXXX XXXX XXXX Any other relevant documentation Thank you for your attention to this matter. Please feel free to contact me if additional information is needed. 
Sincerely,

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have no knowledge of this account. 

XXXX XXXX : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX I have no knowledge of Account XXXX   XXXX  : XXXX I have no knowledge of Account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have no knowledge of this account. 

XXXX XXXX : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX I have no knowledge of Account XXXX   XXXX  : XXXX I have no knowledge of Account

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 2025-11-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX XXXX - XX/XX/year> XXXX  XXXX - XX/XX/year> Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Cascade CISS Holdings, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX To : Xactus, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Subject : Formal FCRA Dispute Unauthorized Use of Personal Information & Reporting of Fraudulent Accounts Dear Sir or Madam, I am writing to dispute several accounts that have appeared on a report generated by Xactus, LLC and furnished to third parties without my consent, in violation of the Fair Credit Reporting Act ( FCRA ). These accounts were previously identified as fraudulent and have already been removed from all three major credit bureaus ( Experian, Equifax, and TransUnion ) after fraud investigations. 



Despite their verified removal, they have reappeared or been disclosed again by Xactus, constituting unauthorized use and re-reporting of inaccurate information.

Under FCRA 604 ( a ), my consumer report may not be obtained or used without my written permission for a permissible purpose. Further, FCRA 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ) require that any furnisher or reseller of credit data investigate and remove information that is inaccurate or unverifiable.

The following accounts are being disputed as fraudulent and reported in error : XXXX XXXX XXXX Charged-off account, reported without authorization XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX previously deleted for fraud XXXX XXXX XXXX XXXX XXXX XXXX User Account ) Opened and reported without authorization XXXX XXXX XXXX  Incorrectly reported late payment ; not a legitimate account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fraudulent inquiry and reporting XXXX XXXX  XXXX XXXX XXXX XXXX fraudulent and inaccurately reported XXXX ( Authorized User Account ) Account not authorized by consumer These items were never opened, authorized, or verified by me, and their reappearance violates FCRA 602A ( Consumer Privacy & Accuracy ), 604 ( a ) ( Permissible Purpose ), and 623 ( a ) ( 1 ) ( A ) ( Duty to Report Accurate Information ).

I demand immediate removal of all unauthorized and inaccurate accounts and that you cease any further dissemination of my personal or credit information without express consent.

Please provide written confirmation within 30 days, per FCRA 611 ( a ) ( 1 ) ( A ), that the disputed accounts have been deleted and that my consumer file reflects accurate information only.

If you fail to comply, I will pursue further action with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for FCRA violations, including unauthorized use of personal data and negligent reporting practices.

Thank you for your prompt attention to this serious matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX ( last XXXX ) -- XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Robinhood on XXXX froze my account from opening or closing any new positions for unusual activity. All I do is trade stocks and options and they have done this twice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
An amount was sent to a debt collector for something I wasnt even aware I was charged for. Upon calling the insurance company, they stated my account was under appeal. I spoke with the collection agency many times and unlike others who avoid debt collectors would call her back monthly to update the account and let her know it was still in appeal. This was a medical bill for my daughter and the charges were unauthorized and charged as out of network without our consent or knowledge, so I would not be responsible for the charges. They held the account open and finally in XXXX of XXXX she stated that I would have to make a good faith payment of least {$50.00} a month to keep it open. So instead I paid {$200.00} to buy me some time while the appeal was being processed. The next call I get is in XXXX, last call was XX/XX/XXXX. On XX/XX/XXXX I call to make a payment and was XXXX business days since the last call. I give them an update on the appeal and have my credit card handy and was put on hold. After a brief hold, they come back on the phone and tell me that my account was sent to credit bureaus! I could not believe after making the good faith payments that they sent it to as a debt. I had XXXX and within days this inaccurate statement dropped my credit down XXXX points. The make matters worse, when I ask her why they would do that when I made the good faith payments to hold me over, she stated that I didnt call her back within the small window they gave despite the fact that I paid 4 times what they asked because I know an appeal with a medical insurance can take some time. Lastly, I made the payment in full the morning of XX/XX/XXXX, the same exact date it was posted to the credit agencies. The XXXX should not be allowed to make their own deals or arrangements and then not abide by them and its unethical completely. If any payments are to be made their should be clear agreements in writing with dates. I am disputing this debt on my credit report as its inaccurate, and I would like not to be dismissed instead that this gets the attention it deserves. The medical bill as of today is still in appeal, in which if is granted now I hope would be refunded since I was forced to pay the charge because of credit damage intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: AR

Complaint narrative:
The account has been paid off completely, but inaccurate late payment marks remain.

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 2025-11-05 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 sent police reports and a letter from a hospital billing department to Transunion and XXXX, notifying them that my identity and information had been stolen, and they refused to delete the accounts that were in question. They responded saying that they were verified (? ) Thats not even possible when someones information has been stolen/compromised.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-05 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:
This letter serves as formal notice that you are currently reporting inaccurate or unverifiable information on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you cease reporting and remove any information that can not be fully verified as accurate and complete. 
Specifically, I dispute the following item ( s ) : 1. ) XXXX XXXX Acct # XXXX * not my account 2. ) XXXX XXXX XXXX Acct # XXXX XXXX  not my account 3. ) XXXX - Acct # * XXXX not my account 4. ) XXXX - Acct # XXXXXXXX XXXX  not my account XXXX. ) XXXX XXXX XXXX - Acct # XXXX not my account 6. ) TXXXX XXXX XXXX - Acct # XXXX XXXX not my account 7. ) XXXX XXXX - Acct # XXXX XXXX  not my account 8. ) XXXX XXXX XXXX - Acct # XXXXXXXX XXXX not my account 9. ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX  not my account Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of each disputed item and delete or correct any information found to be inaccurate or unverifiable within 30 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
This letter serves as formal notice that you are currently reporting inaccurate or unverifiable information on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you cease reporting and remove any information that can not be fully verified as accurate and complete. 
Specifically, I dispute the following item ( s ) : 1. ) XXXX XXXX Acct # XXXX * not my account 2. ) XXXX XXXX XXXX Acct # XXXX XXXX  not my account 3. ) XXXX - Acct # * XXXX not my account 4. ) XXXX - Acct # XXXXXXXX XXXX  not my account XXXX. ) XXXX XXXX XXXX - Acct # XXXX not my account 6. ) TXXXX XXXX XXXX - Acct # XXXX XXXX not my account 7. ) XXXX XXXX - Acct # XXXX XXXX  not my account 8. ) XXXX XXXX XXXX - Acct # XXXXXXXX XXXX not my account 9. ) XXXX XXXX XXXX XXXX Acct # XXXX XXXX  not my account Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of each disputed item and delete or correct any information found to be inaccurate or unverifiable within 30 days of receiving this letter.

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