vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-27 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-27 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: WI

Complaint narrative:
in accrdance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-09-27 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: WI

Complaint narrative:
in accrdance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
USAA has frozen my account and frozen my money stating that they are investigating my account for fraud. No fraud has been committed in my part and they continue to ignore me and hang up the phone when I call them. They are also holding deposits made on my behalf so it triggers overdraft fees that they make from the account holder.

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 2025-09-27 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: MS

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I made a deposit of {$48000.00} on XX/XX/year>. Chase put a {$35000.00} hold on the deposit. On XX/XX/year>XXXX  I went into Chase to talk to a representative and they could not tell me why the hold was put on my account. I was referred to an XXXX number for Chases fraud department, which I immediately called. The gentlemen stated the hold would be released the following morning. On XX/XX/year> thr hold was not released so I called Chases fraud department once again. This time a gentlemen named XXXX answered the call but refused to provide an employee number, last name ; or any other identifying factor. He once again stated the funds would be released tomorrow but that he could not guarantee this. 

{$35000.00} is a substantial amount of money to hold without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
Complaint Regarding Inaccurate Credit Reporting XXXX Account XXXX To Whom It May Concern : I am filing a formal complaint regarding inaccurate and unverifiable reporting of the following account on my credit report : Creditor Name : XXXX  Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$980.00} Credit Bureau : Equifax / Experian This account is inaccurate, incomplete, and/or unverifiable, in violation of 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.
2. Provide written confirmation of investigation results.

3. Provide an updated credit report reflecting permanent deletion or correction. 
Enclosures : Credit report, prior dispute letters, supporting documentation This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC XXXX, SC XXXX Re : Request for Validation of Alleged Debt Account/Reference No : XXXX Dear LVNV FUNDING LLC, I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ),

Section 809.
Please provide the following : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A complete account history, including all statements and payments.

4. A copy of the original signed agreement bearing my signature.

Until this information is provided, you must cease collection efforts and reporting to credit bureaus. If you can not provide proof, you must remove this account from all credit bureau reports immediately.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: HI

Complaint narrative:
I was contacted by an unknown number. When I answered, the caller stated that she was calling from XXXX XXXX XXXX and wanted to confirm my location. When I asked why, she claimed she worked for the court and that I was being located for a legal matter. 

The caller then gave me the number XXXX and a supposed case number and instructed me to call. 

When I called the number, the person who answered said she worked for a company called XXXX. She stated that they were trying to file a legal order of location because I was allegedly involved in a legal matter. When I asked for details, she said they were representing Acima and that I owed a financial debt. 

The caller went further to accuse me of fraud and breach of contract with Acima. She stated that they needed to confirm my location so they could serve me with legal documents. When I asked what legal documents, she repeated that I had committed fraud and was in breach of contract. 

At one point, I told the caller ( falsely, to test their response ) that I had filed for bankruptcy. The caller replied that my bankruptcy does not matter in state court. I responded by pointing out that bankruptcy is a federal protection and federal law supersedes state law. The caller still insisted that they could move forward despite my statement.

The caller then said they were not trying to collect, but instead wanted to file legal documents so that I am categorized as a high risk for financial institutions. 

Why I believe this is unlawful : The callers misrepresented themselves as court officials, which is deceptive. 

They made false threats of fraud charges and legal action, which appears to violate the Fair Debt Collection Practices Act ( FDCPA ). 

They gave false and misleading legal information about bankruptcy protections, which could mislead consumers about their rights. 

The threat to categorize me as high risk for financial institutions seems like a scare tactic and not a legitimate process. 

I request that the CFPB review this matter, investigate Acima and XXXX, and stop these deceptive and harassing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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:
I am submitting this complaint as a formal written dispute regarding an inaccurately reported charge-off account on my TransUnion credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FRCA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, innacurate, and false information consists of a personal credit card opened at self financial/lead bank ( ) opened up XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.I 've attached a list of collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries as reported. The aforementioned accounts, collections, and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. FAIR RESOLUTION OF THIS ISSUE would be removing these accounts of my consumer report. I request, pursuant to FRCA 605B ( 15 U.S.C. 1681C-2 ). that the XXXX, credit reporting agency block all of the accounts, collections, hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-27 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, Service Finance Company pulled my XXXX  credit report without my knowledge or authorization. I never applied for credit with this company. 

I disputed the inquiry with XXXX, and they deleted it from my report. I also filed an FTC Identity Theft Report ( Report # XXXX, filed XX/XX/XXXX ). 

Despite this, Service Finance sent me an adverse action letter denying a credit application that I never made. This confirms they accessed my report without a permissible purpose, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( f ) ). 

On XX/XX/XXXX, I sent Service Finance a formal demand letter ( via certified mail ) asking for resolution and compensation. I included supporting documents ( FTC report, XXXX results, XXXX  screenshot, their adverse action letter, certified mail proof ). To date, they have not responded. 

This unauthorized inquiry harmed my credit profile and violated my federal rights.

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 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 

Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information.

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within 5 business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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