vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint regarding an account being reported by USAA FSB ( account ending in XXXX ) that I believe is inaccurate, unverified, and not properly validated. I have not received any legitimate documentation confirming that this debt belongs to me, nor has USAA FSB provided a full validation of the debt as required by law. 

Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), I have the right to request and receive complete verification of any debt being reported in my name. This includes original account documentation, signed agreements, itemized statements, and proof of ownership or assignment. USAA FSB has failed to provide these critical details despite my previous attempts to resolve this matter directly.

This lack of verification creates serious doubt about the legitimacy and accuracy of the debt being reported. Reporting unverifiable or incomplete information is a direct violation of federal law and constitutes negligent and willful noncompliance with consumer reporting obligations.

The continued reporting of this unvalidated debt has had a harmful impact on my credit standing and overall financial stability. It has caused emotional distress, confusion, and unnecessary damage to my reputation. I am requesting the CFPBs assistance in holding this furnisher accountable for their failure to meet federal compliance standards.

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 2025-11-12 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: IL

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged-Off Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$440.00} Inquiry Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : 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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect upon a dispute debt. The account is fraudulent and was reported as fraud to Discover. This account was not opened by me or my husband. We have both been impacted by a multi-state ID fraud ring. I am re-submitting my evidence here with the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I requested full validation of this account and sent certified letters to LVNV Funding and all three credit bureaus. It has been well over 30 days, and I have not received one single piece of documentation proving this debt belongs to me. All they did was send me a bill that is not verification under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ).

Now LVNV Funding is calling and threatening to sue, which is harassment under FDCPA 806 and 807. Those threats are illegal and misleading because they still havent validated the debt. Since they clearly dont understand what verification means, let me list it out : Verification of a debt requires : The original signed agreement or application with my name and signature, The full account history showing every charge and payment, The itemized balance breakdown ( principal, interest, fees ), The Date of First Delinquency ( DOFD ), Proof of assignment or purchase agreement from the original creditor to LVNV, and The method and date of verification used to confirm ownership with the credit bureaus.

None of this has been provided. Instead, LVNV and the bureaus continue to report this account with missing or inconsistent Metro 2 fields, no dispute notation, and without verifying ownership clear violations of FCRA 607 ( b ) ( accuracy ), 611 ( a ) ( reinvestigation ), and Metro 2 data standards.

Sending me a bill and threatening legal action is not verification its intimidation. You only have 30 days to verify a debt once its disputed. That time has long passed. If this account isnt immediately removed, I will be pursuing additional complaints and legal action for failing to verify, reporting false information, and continued collection activity on an unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I filed a previous report about the predatory interest rates being charged by Chase Bank. File : XXXX. Since then, my credit score is now XXXX with a balance of {$170.00} that is less than 1 month old. And yet, my current interest rate has increased from 22 % to 24 %. Whatever algorithm they are using to judge my credit worthiness must be fundamentally discriminating against me. I have an interest rate of 18 % with a more recent credit card from XXXX XXXX. Again, why is my interest rate so high?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, an

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-11-12 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C SYSTEM- is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM- is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have always paid my credit cards on time for the past XXXX  years but once I became a XXXX XXXX XXXX and I was unemployed it became difficult to keep up with the full amount. I would pay the minimum needed but interest rates accumulated and are 90 % interest vs the credit needed to pay off my credit card balance. I have tried to talk with the bank but they declined lowering my interest rate and have made it hard to apply for a financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am filing this complaint because my personal information was compromised in a data breach, and as a result, several unauthorized or questionable accounts and inquiries have appeared on my Experian credit report. I did not open or authorize these accounts or inquiries, and I believe they are connected to the misuse of my personal information following the breach. 

The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In addition, I have noticed recent unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After learning about the data breach , I placed fraud alerts, monitored my credit reports, and took precautions to protect my identity. Despite these actions, these accounts and inquiries appeared without my knowledge or consent.

I have disputed these items with the credit bureau and creditors directly, but they have not been properly investigated or removed as required under the Fair Credit Reporting Act ( FCRA ). These accounts and inquiries are negatively affecting my credit and appear to be the result of fraudulent activity related to the data breach.

I am requesting that the Consumer Financial Protection Bureau investigate this matter to ensure Experian and the furnishers of these accounts and inquiries conduct a full reinvestigation, and remove or correct any information that can not be verified as accurate and authorized.

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 2025-11-12 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. Acct # XXXX, XXXX XXXX  XXXX Opened XX/XX/XXXX With a balance of {$0.00} and Acct # XXXX XXXX XXXX- Opened XXXX XXXX, XXXX with a balance of {$2200.00}. With all of this information I expect Experian to take action and get these blocked and remove in 4 business days with the rights that I have with the FCRA and FDCPA. The aforementioned account is fraudulent. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.

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 2025-11-12 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 to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-12 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: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute for the following accounts that are inaccurately reported or contain errors. I am requesting an investigation into these items under the Fair Credit Reporting Act ( FCRA ). Below are the details for each bureau : Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Late Payment : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Late Payment : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Subject : Incorrect and Unverified Derogatory Account Reported by XXXX XXXX XXXX : I am filing a formal complaint against XXXX XXXX for reporting inaccurate and potentially obsolete information to the credit bureaus, which is negatively impacting my credit score. 

The account in question appears on my credit report as follows : Creditor Name : XXXX XXXX Account Type : Auto Loan Account Number ( last XXXX ) : [ insert last XXXX digits shown on your report ] Status : Derogatory Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$8000.00} Date Reported : XX/XX/XXXX I believe this account is being reported in error for the following reasons : 1. The date of first delinquency likely occurred in late XXXX, which means the 7-year reporting period is expiring soon ( or has expired ). 
2. XXXX XXXX continues to update or re-age the account, causing it to appear newer than it actually is. This practice is not allowed under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ).

3. I have already submitted disputes to the credit bureaus, but XXXX XXXX has not provided proper documentation verifying the accuracy of this 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 non-monetary relief
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I am writing to dispute the accuracy of the following items that have been reported on my credit report. I believe that the items listed below are either inaccurate, incomplete, or improperly reported, and I request that these disputes be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00}

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