vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Its alot of hard inquiries on my report that I never did and this need to be offmy credit report because its wrong

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 2025-08-13 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Its alot of hard inquiries on my report that I never did and this need to be offmy credit report because its wrong

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I request that the credit bureaus and furnishers immediately reinvestigate each disputed late payment. If the creditors can not provide documented proof that proper notice of the due date and missed payment was sent before reporting the delinquency, these late marks should be permanently deleted from my credit file. I also request written confirmation of the results of the investigation and, if applicable, an updated copy of my credit report reflecting the removal of the inaccurate items within the timeframe required under the FCRA. 

1. XXXX XXXX Account Number : XXXX 2. XXXX  XXXX Account Number : XXXX 3. XXXX  XXXX Account Number : XXXX 4. XXXX XXXX Account Number : 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
I tried to transfer XXXX XXXX  and Face Bank charge me XXXX XXXX  extra. The transaction was rejected and the money was refund but the fee didnt. 

I wrote them to request the refund of the {$30.00} wire transfer fee charged in relation to the following transaction, which was not successfully completed : Wire Transfer Ref # : XXXX Date : XX/XX/year> Amount : XXXX  XXXX Debit Account : Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Credit inquires that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against USAA Federal Savings Bank regarding their gross mishandling of a fraud case that resulted in the loss of {$18000.00} from my account. Despite providing extensive documentation and clear evidence of unauthorized transactions, USAA has only reimbursed {$1200.00} and refuses to return the remaining {$16000.00}. 

Summary of Incident : Date of Fraudulent Activity : [ Insert date ( s ) ] Amount Stolen : {$18000.00} Amount Reimbursed : {$1200.00} Actions Taken : I immediately reported the fraud to USAA and submitted all requested documentation. 
I filed reports with the IC3, local law enforcement, and the CFPB.

I followed up repeatedly with USAA, but received vague responses and no justification for the partial reimbursement. 


Impact : As a XXXX  mother and primary caregiver to XXXX childrenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), this financial loss has had a devastating impact on my familys stability. USAAs failure to act responsibly and transparently has compounded the harm. 

Request : I am seeking regulatory intervention to compel USAA to : Reimburse the remaining {$16000.00} Provide a clear explanation for their decision Review their fraud investigation procedures for systemic failures I am prepared to provide all supporting documentation, including transaction records, correspondence with USAA, and law enforcement reports. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I have been involved in a number of data breaches within different companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX / U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is not authorized. Please remove it from my credit report immediately. XXXX XXXX XXXXXX/XX/year>

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 2025-08-13 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:
I believe the accounts in question are the result of unauthorized activity. I respectfully request their removal following a full investigation. Relevant supporting documentation has been included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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 - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-08-13 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: LA

Complaint narrative:
To Whom It May Concern, This is a formal dispute of the accuracy of information on my credit file, as provided under the Fair Credit Reporting Act, 15 U.S.C. 1681i. 

The disputed account is as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Status : Charge-off/ Closed I contend that the reporting of this account is inaccurate, incomplete, and/or unverifiable for the following reasons : Account was charge off on XX/XX/year> Under 15 U.S.C. 1681i ( a ), you are required to : Conduct a reasonable reinvestigation of the disputed information.

Delete or correct any item found to be inaccurate, incomplete, or unverifiable.

Provide me with a written statement of the results within 30 days of receipt of this dispute.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be promptly deleted from my credit file.

I also request : Copies of all documents, contracts, and records used to verify the charge-off status of this account. 

The name, address, and telephone number of the furnisher of the information. 

If your investigation determines that the charge-off reporting is inaccurate or misleading, you must immediately delete or correct it to comply with your obligations under the FCRA. Failure to comply may result in legal action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance.

Enclosed are copies of my identification and proof of address to assist with your investigation. 

I expect your written confirmation of the results within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom It May Concern, This is a formal dispute of the accuracy of information on my credit file, as provided under the Fair Credit Reporting Act, 15 U.S.C. 1681i. 

The disputed account is as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Status : Charge-off/ Closed I contend that the reporting of this account is inaccurate, incomplete, and/or unverifiable for the following reasons : Account was charge off on XX/XX/year> Under 15 U.S.C. 1681i ( a ), you are required to : Conduct a reasonable reinvestigation of the disputed information.

Delete or correct any item found to be inaccurate, incomplete, or unverifiable.

Provide me with a written statement of the results within 30 days of receipt of this dispute.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be promptly deleted from my credit file.

I also request : Copies of all documents, contracts, and records used to verify the charge-off status of this account. 

The name, address, and telephone number of the furnisher of the information. 

If your investigation determines that the charge-off reporting is inaccurate or misleading, you must immediately delete or correct it to comply with your obligations under the FCRA. Failure to comply may result in legal action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance.

Enclosed are copies of my identification and proof of address to assist with your investigation. 

I expect your written confirmation of the results within the timeframe required by law. 

Sincerely, 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 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: CT

Complaint narrative:
Sent full dispute & validation Demand pursuant to Fdcpa 15 u.s.c 1692 ( b ) and FCRA 15 u.s.c 1681 et seq, and applicable Connecticut law and requested XXXX. XXXX XXXX agreement XXXX. Complete chain of title 3. Securitization Disclosure 4. Original signed agreement 5. IP Address & Digital Application Data 6. Proof Of License to Collect in Connecticut FCRA & Evidentiary Standard If this account is furnished to any consumer reporting agency, you must : -mark it as disputed immediately -Ensure any verification meets the standard of accuracy required under the FCRA and Connecticut Law Failure to meet these standards will subject you to : FDCPA STATUTORY DAMAGE UP TO {$1000.00} per action ( 15 u.s.c 1692k ( a ) ( 2 ) ( A ) ) FCRA STATUTORY DAMAGES {$100.00} to {$1000.00} per violation ( 15.u.s.c 1681n ( a ) ( 1 ) ( A ) ) FCRA actual Damages : uncapped ( 15 u.s.c 1681n, 1681o ) Punitive damages for willful violations ( 15 u.s.c 1681n ( a ) ( 2 ) ) Connecticut Civil penalties : up to {$5000.00} per violation under C.G.S. 36a-50 and additional penalties for unlicensed collection activity Enforcement notice Any attempt to collect without full compliance will result in -civil action for statutory. Actual and punitive damages as outlined above, -complaints to the Connecticut department of banking for licensing violations and -Formal ethics grievance to the Connecticut XXXX XXXX XXXX and the appropriate federal bar disciplinary authority.

All communications must be in writing you have 30 days from receipt of this letter to provide the requested documentation in full. partial or substituted responses will be treated as a failure to validate, requiring you to cease all collection and credit reporting activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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