vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX bal. {$570.00}. 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 the hard inquiries 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, or 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 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has closed/restricted my accounts and is claiming it will take 60 days to give me funds via the mail. This is illegal. They have also refused to look into multiple disputes that I have provided sufficient evidence for, and used by own funds to act as " Fraud Offset Credit '' to balance a negative bank account I have with them that was caused to be negative by them withdrawing a transaction dispute credit. I have a transcript where one of their specialists even stated that the agent who closed a dispute for {$690.00} did so without viewing any of my evidence. So in addition to {$350.00} owed by their " Fraud Offset Credit, '' they also owe for these disputes that have been handled negatively despite sufficient evidence, as well as money that got " eaten '' by that negative balance : Case XXXX : {$690.00} with XXXX XXXX XXXX : {$220.00} with XXXX XXXX XXXX : {$110.00} with XXXX ( in progress ) Case XXXX : {$210.00} with XXXX ( in progress ) Case XXXX : {$68.00} with XXXX XXXX XXXX ( in progress ) Case XXXX : {$75.00} with XXXX  ( temp credit issued ) Case XXXX : {$35.00} with XXXX ( in progress ) Case XXXX : {$100.00} with XXXX ( in progress ) Case XXXX : {$50.00} with XXXX XXXX XXXX : {$68.00} 20 with XXXX XXXX XXXX XXXX XXXX XXXX : {$22.00} with XXXXXXXX XXXX XXXX XXXXXXXX transfer of {$15.00} XXXX transfer of {$60.00} Credits from XXXX XXXX amounting to {$40.00} XXXX XXXX amounting {$220.00} XXXX XXXX amounting {$22.00} And a transaction dispute I had not yet opened because of these events, XXXX transaction from XX/XX/year> amounting to {$160.00} Another previously unopened dispute from XX/XX/year> with XXXX for the amount of {$190.00} And when I complained about this and said I might bank elsewhere, they closed all of my accounts with no warning and said they'd mail me my money in 60 days via check.

The total balance of my accounts currently is {$1000.00}, and I would like that money back to live my life with, in addition to the above disputed quantities.

I have already sent the relevant documents to USAA, but have included the transcript I mention above where a specialist agent tells us they closed a {$690.00} dispute without viewing any evidence at all.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Complaint to the CFPB Against Experian I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), which have caused me significant financial and emotional harm. 

From XXXX to XX/XX/year>, I sent five written dispute letters to Experian regarding inaccurate and disputed account information. In four of these letters, I clearly instructed Experian to communicate with me only via U.S. mail. Despite this, Experian sent a total of nine emails, disregarding my request. The latest email was received on XX/XX/year>, showing an ongoing failure to respect my communication preferences. 

One of my disputes, submitted in XX/XX/year>, included a copy of my Social Security card and a government-issued ID. Experian failed to respond within t

he 30-day deadline as required by the FCRA. I also sent two separate settlement letters, both reiterating the need for mail-only communication. One of these letters was addressed directly to Experian 's corporate headquarters. Neither received any response. 

In XX/XX/year>, I submitted a written request under FCRA Section 609 for my full consumer file, which I still have not received. As a result, I no longer have copies of all my prior dispute letters and believe Experian is withholding my complete file in violation of federal law. 

Additionally, I called Experian twice on XX/XX/year>, and was told I was a top priority and would receive a callback. I never received one.

Due to Experians misconduct and refusal to comply with the FCRA, I have experienced : Two loan denials Financial damage Emotional distress

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 2025-06-28 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: NC

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I was charged an interest charge of {$1800.00} .. based on the original balance .. even though my balance was down to less than the amount they charged me in interestthey said they based it on the original initial charge .. which was interest free unless I did nit pay it off as scheduled. I paid more than my minimum payment most months so by the payment schedule they provided, all should have been paid on time or even before schedule .. but now they are saying when the date was reached, there was a balance of a little over {$1000.00} so they then charged the amount of all of the accumulated interest on the original amount..

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 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am a recipient of unemployment that was dispersed a month ago. I have had no access to my funds and am being stonewalled by US BANK. I have called more that 20 times now and they have stopped accepting my calls. After entering my information the automated system says " Good-Bye '' I need help. I have lost my place to live, my phone service and my vehicle and this company is flat out stealing benefits from people.

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 2025-06-28 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: AR

Complaint narrative:
I previously disputed an account with XXXX XXXX XXXX that was reporting as an involuntary repossession. The remark and status were removed after my dispute. However, on XX/XX/XXXX, Equifax reinserted the involuntary repossession status without providing me written notice within 5 business days, which is required under FCRA 611 ( a ) ( 5 ) ( B ). This account is also showing as open with a balance, even though the vehicle was repossessed and the contract should be closed.

I currently have a fraud alert on my credit reports with all three bureaus. This alert has been active since XX/XX/XXXX. During this time, no information should have been added or reinserted without verifying my identity first. No one contacted me. 

This account should be deleted entirely, or fully verified with documentation of ownership, contract, and legal reinsertion procedures. This account is harming my credit and was reported during an active fraud alert period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AR

Complaint narrative:
I previously disputed an account with XXXX XXXX XXXX that was reporting as an involuntary repossession. The remark and status were removed after my dispute. However, on XX/XX/XXXX, Equifax reinserted the involuntary repossession status without providing me written notice within 5 business days, which is required under FCRA 611 ( a ) ( 5 ) ( B ). This account is also showing as open with a balance, even though the vehicle was repossessed and the contract should be closed. 

I currently have a fraud alert on my credit reports with all three bureaus. This alert has been active since XX/XX/XXXX. During this time, no information should have been added or reinserted without verifying my identity first. No one contacted me. 

This account should be deleted entirely, or fully verified with documentation of ownership, contract, and legal reinsertion procedures. This account is harming my credit and was reported during an active fraud alert period.

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 2025-06-28 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: CA

Complaint narrative:
Resolution should be done within 15 days NOT 30. There have been too many chances here. Human response can not accept someone stating will reply in 60-days or whatever Ill be homeless because of this by then. This is real life lets FIX IT. I submitted disputes through TransUnion in late XXXX, yet never received confirmation, results, or legal notice of reinvestigation. Multiple accounts now show updates dated XX/XX/XXXX, but no corrections were madejust reinsertions of old, previously removed accounts, now reporting with wrong dates and misleading details. 

One account ( XXXX XXXX ) shows an open date in XXXX, yet this is a debt from nearly 4 years ago. Some show missed payment dates before the listed open dates. Thats not a system errorits a deliberate failure to ensure accuracy, and its a direct FCRA violation. 

TransUnion did not notify me of any reinsertion as required by law. A live agent also confirmed there was no active dispute on recordyet I was blocked from submitting new disputes for weeks. This is unacceptable and unlawful. 

Because of this mishandling, we were denied housing, forced to move suddenly, and lost over {$30000.00} in savings and relocation costs. Someone needs to be held accountable. Im attaching a document detailing each account and prior dispute activity. These accounts must be deletednot updateddue to TransUnions failure to follow federal law. 

Attachments show updated summary by account but also have a few examples proving accounts being re-added thus is not exhaustive- they have ALL been removed as a result of previous disputes only to be added again and illegally re-aged. This is so unacceptable something must be done now. Anyone human out there? This is my life! My kids- come on people please

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 2025-06-28 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: NJ

Complaint narrative:
Hi I found XXXX unauthorized fraudulent inquiries on my credit report one XXXX XXXX XXXX XXXX XX/XX/XXXX second XX/XX/XXXX tired XXXXPlease help me to remove those unauthorized from my credit file.

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 2025-06-28 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:
On XX/XX/year> I submitted a request for validation of debt shown by XXXX XXXX. I asked for the following to be provided : The amount of the debt claimed. 
The name of the original creditor. 
A copy of the agreement, contract, or other instrument that created the debt.

Verification that they are licensed to collect debts in TX.

I requested that if any of the above information is not available, to please provide an explanation as to why. Additionally, I requested that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information that is reporting on my credit report is identity theft and I have no knowledge of these accounts reporting negative on my credit report.

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 2025-06-28 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: MA

Complaint narrative:
I have received my consumer credit report attached to this complain however inaccuracies and unauthorized accounts exist which need to be removed. These were not opened by me and are detrimental to my life and credit health. I have requested them to be removed by the credit bureaus but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MA

Complaint narrative:
I have received my consumer credit report attached to this complain however inaccuracies and unauthorized accounts exist which need to be removed. These were not opened by me and are detrimental to my life and credit health. I have requested them to be removed by the credit bureaus but have not received any response.

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 2025-06-28 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: FIRST FINANCIAL BANCORP
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year> withdrew XXXX from my mothers checking account which was not autorized as an electronic transfer. 
Another XXXX on XX/XX/year> was alson and electronic transfer. Both were not authorized and is a scam from what i see online.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I submitted a certified debt validation request to Caine & Weiner on XX/XX/year>, regarding an alleged debt originally held by Progressive XXXX XXXX XXXX Caine & Weiner responded via a representative, but failed to provide any legal documentation proving the debt was lawfully assigned or sold to them. They also did not include a copy of the original contract, itemized ledger, or payment history.

> > Their letter includes conflicting account numbers and acknowledges the debt is time-barred, stating I can not be sued. However, they continue to pursue collection and threaten credit reporting, which I believe violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and may constitute deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-06-28 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 do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to remove the incorrect names that appear on my personal credit report and remove the old addresses.

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 2025-06-28 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Improper use of my credit without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Improper use of my credit without my authorization

Company response to consumer: Closed with explanation