vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SC

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-26 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: SC

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 the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I ordered a product, jewelry from XXXX, supposedly. Weeks after ordering, never received shipping and tracking info. I contacted the company. Another week or two went by. Finally issued shipping and tracking info. 2 months after ordering, I received necklace, in a baggie inside a shipping sleeve. Junk. No certificate of authenticity. Just a baggie I immediately contacted the company XXXX XXXX and inquired about a refund. I was told I could return it for a refund. Send them tracking info for package being sent to them. I did as instructed and sent it to the address they gave me. 

I then had a really bad feeling I was being scammed. I reached out to Citibank, as the purchase was made with their credit card. I filed a dispute. They froze the purchase and told me to wait for instructions being mailed to me regarding providing proof through a tracking number, that I had returned the item. After 3-4 weeks, I finally received the letter from Citi. Two days after receiving the letter, I was notified that Citi had closed the dispute because they hadn't heard from me. I'm in the middle of a divorce with a lot going on. It took 4 weeks to get me the letter and they give me 2 days? When I initially filed the dispute, I said I could supply them with documentation showing the tracking number, and they told me to wait for the letter instructing me how to move forward.

Upon being notified that the dispute was closed, I immediately called Citi. They apologized and told me they would request the dispute be reopened. I supplied the tracking info as requested. Several days later I was notified that the dispute would remain closed as it was out of the dispute period. 

The package was tracked back to XXXX. XXXX refuses to respond to me. They haven't refunded my money.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute certain information that appears on my credit report, which I believe is the result of a data breach and possible identity theft. Under 15 U.S.C. 1681c-2, I am requesting that you investigate and block the information that is related to the data breach. This information may have been fraudulently reported as part of a data breach in which my personal information was compromised. As I have not authorized any of these accounts or transactions, I am requesting that the items in question be blocked and removed from my credit file per the provisions of 15 U.S.C. 1681c-2. I respectfully request that you investigate this matter promptly and block the disputed information from my credit report. I understand that under the FCRA, you are required to complete your investigation and respond to me within 30 days. 

PLEASE REMOVE ALL FRAUDLENT ITEMS FROM 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 2025-12-26 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: AZ

Complaint narrative:
I am filing this CFPB complaint because the credit reporting agencies continue to report multiple negative accounts that are inaccurate unverifiable and legally noncompliant despite repeated disputes and prior escalation. I am an impacted consumer of both the Equifax data breach and the XXXX XXXX XXXX breach which requires heightened verification standards. Instead of applying those standards the bureaus relied on automated template responses and recycled unverified data that continues to damage my credit profile. 

The negative accounts involved in this complaint are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX is a closed paid installment account with a XXXX balance that is still being reported with late payment history. No original signed agreement complete payment ledger or timestamped proof of delinquency has ever been produced. 

XXXX XXXX is a closed paid installment account with a XXXX balance that continues to reflect late payments even though no billing statements or payment records supporting any delinquency exist. 

XXXX is a closed paid secured credit line with a XXXX balance that has already been deleted by one bureau while others continue to report derogatory information demonstrating inconsistent and inaccurate reporting across bureaus. 

XXXX XXXX is a closed paid revolving account with a XXXX balance that continues to show negative payment history without any original cardholder agreement billing statements or proof of a missed payment. 

XXXX is being reported with materially conflicting information including paid and closed on one bureau and charged off with a balance on another. The furnisher has failed to reconcile these contradictions or provide documentation supporting a charge off. 

XXXX XXXX  is a secured account being reported as charged off without proof supporting the charge off or the reported delinquencies and without any original agreement or complete payment history. 

XXXX XXXX is a collection account reported without proof of debt ownership legal assignment from the original creditor or a complete itemized accounting of the alleged balance. 

In every case I requested lawful verification including original contracts proof of delinquency proof of charge off authority or proof of collection rights. None of this evidence has ever been provided. Continuing to report these accounts after notice of dispute demonstrates failure to conduct reasonable reinvestigations and failure to ensure maximum possible accuracy.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency IC System INC has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has locked, restricted, and closed my account withholding my funds and are given me no valid reason as to why but that They have the right I keep getting different stories on how Ill retain my funds back and at first they were saying in 60 days theyll send a check and now they saying they are going to be giving my funds to the state. MY FUNDS??

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 2025-12-26 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: IL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint regarding my credit card issuers refusal to properly investigate an ongoing warranty fraud and services-not-rendered dispute, and for denying my chargeback solely based on the original transaction date without addressing the merits of the claim. 
In XX/XX/year>, I purchased a XXXX massage chair for approximately {$3000.00} using my credit card through XXXX. The purchase included both the merchants original XXXX manufacturer warranty, which is still in effect, and a paid extended warranty. 
The chair failed within the warranty period and required repair. After the initial warranty repair, the chair failed again. At that point, the merchant became completely unresponsive and has refused to honor both the active manufacturer warranty and the paid extended warranty. The company will not respond to emails, messages, or support requests and has provided no repair, replacement, or refund. 
I initiated a chargeback when the warranty breach and service failure occurred, not at the time of purchase. This dispute concerns an ongoing failure to provide contracted warranty services, not a one-time transaction issue tied to the purchase date. 
My credit card issuer denied the claim automatically, citing a XXXX time limit based on the original transaction date, without conducting a reasonable investigation or addressing the fact that this is an active and continuing warranty violation. The bank failed to properly apply the Fair Credit Billing Act by misclassifying this dispute and refusing to evaluate the services-not-rendered claim. 
I am requesting that the CFPB require my credit card issuer to conduct a full and proper reconsideration of this dispute based on ongoing warranty fraud, merchant non-performance, and services not rendered, rather than dismissing the claim solely on procedural timing grounds.

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 2025-12-26 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:
The information on file does not accurately or completely reflect my financial activity. I request a thorough review and correction.

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 2025-12-26 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-26 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report, which I do not recognize and did not authorize. 

Finance Company Name : Capital One Auto Fincance Date of Inquiry : XX/XX/XXXX I did not apply for credit, financing, or any service with the above-named company, nor did I provide written or verbal authorization for a XXXX  inquiry to be made on my credit file. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you conduct a full investigation into this matter. If the finance company can not provide documented proof of permissible purpose, including my signed authorization, I am requesting that this inquiry be removed from my credit report immediately. 

Please provide written confirmation of the results of your investigation once completed. This letter is not an acknowledgment of any relationship with the above-named company. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation