vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, my checking account [ XXXX ] suffered a fraudulent electronic fund transfer ( EFT ) totaling approximately {$19000.00}. I reported the fraud immediately, and USAA confirmed the activity was fraudulent and issued a full credit on XX/XX/year>. 

CRITICAL BANK FAILURE : After reversing the first confirmed fraud, USAA negligently removed all restrictions on the account. This action permitted the exact same fraudulent vector ( compromised login credentials ) to be exploited again just four days later. 

On that same day of the credit ( XX/XX/year> ), an identical fraudulent transfer occurred, totaling {$20000.00}. This second loss was entirely preventable and occurred directly due to USAA 's failure to implement reasonable security controls, a clear violation of their duty to protect my funds. 

On XX/XX/year>, I sent USAA a Formal Demand Letter ( via the USAA website ) demanding three things by XX/XX/year> : Full permanent credit for the {$20000.00} loss on XX/XX/XXXX. 

Immediate and permanent remediation of the joint-account vulnerability ( conversion to individual or closure/new account ). 

A written explanation of why restrictions were removed after the first confirmed fraud. 

On XX/XX/year>, USAA sent a " Fraud Claim Resolution '' letter. This response is wholly inadequate because : It only approved a partial credit of {$9500.00} for one transaction ( Dispute ID XXXX ). The remaining fraudulent loss of {$11000.00} from the XX/XX/XXXX incident remains unresolved. 

It is completely silent on my demand to secure the account ( convert/close ) and ignores my request for an explanation of the bank 's negligence. 

USAA has acknowledged fraud and yet refuses to make me whole, while simultaneously refusing to secure my account from future, confirmed threats. I request the CFPB compel USAA to immediately resolve 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 monetary relief
Consumer complaint received 2025-12-04 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-12-04 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSWORLD SYSTEMS INC
State: WV

Complaint narrative:
TRANSWORLD SYSTEMS I Original creditor : XXXX XXXX XXXX Account number XXXX i am writing to formally notify you that your continued attempts to contact me regarding the above-menioned account are in violation of the fair debt collection practices act ( FDCPA ), specifically under 15 U.S.C. 1692c, which prohibits debt collectors from contacting consumers under certain circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report that I believe to be inaccurate. I have reviewed my records and have found discrepancies that need to be corrected. The accounts listed below are in dispute. 

Charged Off :XX/XX/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 2025-12-04 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: NM

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : I am disputing the following inquiry on my Experian credit report : XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : I am disputing the following late payments on my Experian credit report : XXXX  XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX - Account No. 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 2025-12-04 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: CA

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, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
Dear Sir/Madam, I am disputing the following charged-off accounts as they are inaccurately reported on my credit file : CHARGED OFF ACCOUNTS :XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief
Consumer complaint received 2025-12-04 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 am disputing the following information on my Equifax credit report. I believe that the reported inquiries, positive accounts, and late payments are either inaccurate or unverified. I request immediate investigation and removal of any incorrect information. 

Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2025-12-04 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: FL

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Collection - Balance {$2800.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXXXXXX XXXX XXXXXXXX XXXX XXXX days past due - Balance {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX - Closed XXXX XXXX XXXX XXXX XXXX XXXX days past due - Closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XX/XX/XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$88.00} Account name Collection Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$1400.00} Account name XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Balance {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these accounts do not belong to me. I have never opened or authorized any of these accounts, and I am requesting a thorough investigation and removal from my credit file.

Here are the accounts that are not mine : XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$160.00} Status : In collections I never opened or authorized this account. 
XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$810.00} Status : In collections This account was fraudulently opened and is not mine. 
XXXX XXXX - Account ending in XXXX Reported Balance : {$1300.00} Status : In collections I did not open any XXXX XXXX account under this number. 
XXXX XXXX - Account ending in XXXX Reported Balance : {$370.00} Status : In collections I have never had utility services with this company. 
XXXX Credit Card - Account ending in XXXX Reported Balance : {$780.00} Status : In collections I did not open this credit card account.

These accounts have negatively impacted my credit report and are causing me severe stress and hardship. I have already contacted the credit bureaus and informed them of the identity theft, but these accounts are still showing.

I am requesting the CFPB to help me get these fraudulent accounts investigated and permanently removed from my credit reports. I can provide an identity theft affidavit, police report, or any additional documentation needed upon request.

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 2025-12-04 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:
I am writing to file a formal complaint regarding several fraudulent accounts that have been reported on my credit reports without my knowledge or authorization. I am a victim of identity theft, and these accounts do not belong to me. I have never opened or authorized any of these accounts, and I am requesting a thorough investigation and removal from my credit file.

Here are the accounts that are not mine : XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$160.00} Status : In collections I never opened or authorized this account. 
XXXX XXXX XXXX - Account ending in XXXX Reported Balance : {$810.00} Status : In collections This account was fraudulently opened and is not mine. 
XXXX XXXX - Account ending in XXXX Reported Balance : {$1300.00} Status : In collections I did not open any XXXX XXXX account under this number. 
XXXX XXXX - Account ending in XXXX Reported Balance : {$370.00} Status : In collections I have never had utility services with this company. 
XXXX Credit Card - Account ending in XXXX Reported Balance : {$780.00} Status : In collections I did not open this credit card account.

These accounts have negatively impacted my credit report and are causing me severe stress and hardship. I have already contacted the credit bureaus and informed them of the identity theft, but these accounts are still showing.

I am requesting the CFPB to help me get these fraudulent accounts investigated and permanently removed from my credit reports. I can provide an identity theft affidavit, police report, or any additional documentation needed upon request.

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 2025-12-04 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: Garrison Investment Group
State: NV

Complaint narrative:
This complaint is being submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ) to REQUEST A REINVESTIGATION for the account listed below, which contains inaccurate, inconsistent, and legally unverifiable information. You are also being placed on notice that prior disputes concerning this account were subjected to what can only be described as sham investigationssuperficial reviews conducted solely through automated systems ( e.g., XX/XX/XXXX ) without any meaningful evaluation or consumer-specific validation, in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ). 
These practices violate my consumer rights and contradict your obligations to follow reasonable procedures designed to assure maximum possible accuracy under FCRA 1681e ( b ), as well as XX/XX/XXXXdata integrity standards.

Below is the disputed account, including specific arguments that support my claims of inaccuracy and the need for permanent deletion if the information can not be lawfully and verifiably validated : FOUNDATION XXXX Account Ending XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} This closed installment account is reported with a {$0.00} balance yet includes a 30day late payment notation from XX/XX/XXXX, which is inaccurate and unsupported. Reporting derogatory information on an account with no balance or active liability violates the accuracy requirements under FCRA 1681e ( b ). Additionally, XX/XX/XXXXlaw ( XXXX XXXX ) considers it deceptive to misrepresent an accounts payment history in a manner that harms the consumers credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief