vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to XXXX on XXXX XXXX XXXX, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), XXXX  has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. XXXX has therefore failed to conduct a reasonable reinvestigation as required by law. 
XXXX XXXX XXXX XXXXXXXX

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 2025-10-15 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 sent a detailed written dispute to Equifax identifying accounts that do not belong to me and are the result of identity theft. I also included an official Identity Theft Report to verify my claim. Despite submitting these documents, the disputed accounts are still reporting as if no action was taken. Equifax failed to delete or block the fraudulent information as required under Section 605B of the FCRA and did not provide a reasonable response or confirmation of investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX for reporting and attempting to collect an alleged debt on behalf of XXXX in the amount of {$790.00}, without ever providing me with proper written notice or validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I discovered this alleged debt only after reviewing my TransUnion credit report, where XXXX is listed as a collection account opened on XX/XX/year>. I was never contacted by mail or email, nor given an opportunity to dispute or validate this alleged debt before it was reported. This conduct also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to ensure accuracy and proper notice before reporting derogatory information. 

XXXX actions have damaged my credit reputation and violated my rights as a consumer. I am requesting that the CFPB investigate this matter and require XXXX to : XXXX. Provide full documentation and validation of the alleged T-Mobile debt, and XXXX. Cease all reporting and collection activity until such validation is provided, and XXXX. Remove this unverified account from my credit report immediately. 

Thank you for your attention and for protecting consumers rights under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX for reporting and attempting to collect an alleged debt on behalf of XXXX in the amount of {$790.00}, without ever providing me with proper written notice or validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I discovered this alleged debt only after reviewing my TransUnion credit report, where XXXX is listed as a collection account opened on XX/XX/year>. I was never contacted by mail or email, nor given an opportunity to dispute or validate this alleged debt before it was reported. This conduct also violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to ensure accuracy and proper notice before reporting derogatory information. 

XXXX actions have damaged my credit reputation and violated my rights as a consumer. I am requesting that the CFPB investigate this matter and require XXXX to : XXXX. Provide full documentation and validation of the alleged T-Mobile debt, and XXXX. Cease all reporting and collection activity until such validation is provided, and XXXX. Remove this unverified account from my credit report immediately. 

Thank you for your attention and for protecting consumers rights under 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 2025-10-15 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am extremely disappointed and frustrated to find negative items in my credit profile. It is simply unacceptable and outrageous that such baseless claims have been reported against me. I demand that you immediately remove any derogatory information about me from your records! These allegations against me are completely false, and I have yet to receive any substantial evidence to support them. Your report contains numerous deviations from mandatory reporting standards, which means that the information in it can not be accurate and complete. I am challenging you to provide me with documented proof that the information you have reported is accurate and in compliance with all the relevant regulations. According to 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ), it is your responsibility to furnish accurate and truthful information about me. You have also failed to conduct a reasonable investigation of my disputes. Any mistakes in reporting can seriously impact my reputation and financial standing, and I demand that you take this matter seriously. Your carelessness and unethical practices are unacceptable, and I expect you to investigate the validity of the inaccurate items in your report and replace them with accurate ones or remove them altogether. It is your duty to protect my rights and ensure that your reporting meets the highest standards of accuracy and integrity. I will not hesitate to take further action if you fail to address this matter properly. 

SOUTHWEST RECOVERY SER - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I am requesting that the CFPB re-evaluate my XXXX complaint ( XXXX ) against USAA Federal Savings Bank involving identity theft, unauthorized withdrawals, and denial of a fraud claim. 
In early XXXX, I was the victim of identity theft that resulted in multiple unauthorized transactions on my USAA checking account. I immediately reported the fraud, but USAA denied my dispute, claiming I had authorized the transactions. 
At the time, I was also a USAA employee. Shortly after reporting the theft, I was terminated in XX/XX/XXXX, accused of fraud connected to the same activity. This caused significant financial and professional harm. I lost approximately {$10000.00} and later received a {$320.00} check, which I have not cashed. 
I filed a CFPB complaint around XXXX or XX/XX/XXXX. USAA responded, and the complaint was closed, but the issue was never resolved. 
Since then, the Office of the Comptroller of the Currency ( OCC ) issued a Cease-and-Desist Order against USAA Federal Savings Bank XXXX XX/XX/XXXX XXXX citing continued deficiencies in fraud risk management, consumer complaint handling, and Regulation E compliance. These findings are consistent with what I experienced in XXXX specifically, that USAA failed to : Properly investigate my fraud claim in good faith, Provide timely reimbursement under Regulation E ( 12 CFR 1005 ), Maintain adequate internal controls over identity theft disputes, and Prevent retaliation after a consumer fraud report. 
Because of these new developments, I believe my case demonstrates a pattern of systemic noncompliance that remains unresolved. 
I respectfully request that the CFPB reopen or re-evaluate my XXXX complaint, review USAAs handling of my fraud report, and determine whether USAA violated the Electronic Fund Transfer Act ( EFTA ) or other federal consumer protection laws. 
I have preserved all supporting documentation, including USAAs denial letter, employment correspondence, and fraud dispute records, and can provide them 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 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A XXXX XXXX XXXX XXXX opened an XXXX XXXX account under my name without my authorization or signature. 
The application was submitted after a phone conversation in which I only requested a treatment estimate I never approved or signed any credit application. 
On XX/XX/year>, I called XXXX XXXX to report the issue, and the representative confirmed that the account was closed as unauthorized, providing the closure confirmation number XXXX at XXXX XXXX 
I was also told that a confirmation letter will be mailed within seven ( XXXX ) days. 
This incident caused me stress, frustration, and wasted time, and created a possible risk to my credit record. 
I am requesting written confirmation that the account has been permanently removed from any credit reports and compensation for the distress and inconvenience caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a Citibank Citigold debit card in the mail two or three weeks ago and was totally baffled about why I was receiving it, because I hadn't applied for any cards or opened any new accounts anywhere in quite a while. A week or so later, I received the PIN code for the card, which I promptly shredded. I was genuinely confused about the whole thing. Today, XX/XX/25, I received what I'm assuming are starter checks in the mail from the Citibank Check Order Dept, which is what prompted me to take action.

I lost my driver 's license about two months ago and I haven't yet reported it or done anything to replace it and I'm afraid my identity may have been stolen.

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 2025-10-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi I was banking with Citi bank I had over XXXX in my bank then they randomly took XXXX I believe out of my bank I had made the deposit every dollar I put in that ATM was all real money I don't know why they took it back I need my money they robbed me Citi bank XXXX XXXX XX/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 explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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 2025-10-15 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: TrueAccord Corp.
State: TX

Complaint narrative:
I am hereby contesting the accuracy of any information contained within my credit report that lacks substantiated evidence. This pertains particularly to unproven claims, such as allegations of delinquency and derogatoriness. My action is aligned with the provisions set forth in the Fair Credit Reporting Act ( FCRA ) and adheres to the recognized industry standard for Metro 2 data field reporting. I emphasize that, in accordance with federal and state laws, it is imperative that all allegations are reported accurately and comprehensively. Reporting claims that contravene established laws and regulations is not only inaccurate but also unjust. I write to formally notify you of the necessity to ensure the factual and accurate reporting of all claims, as mandated by the Metro 2 reporting standard. I kindly request that you furnish tangible, verifiable evidence substantiating the existence of the account and its lawful usage. Should such evidence not be forthcoming, I insist on the removal of said account from my credit report. In accordance with this request, I grant authorization for the delivery of physical documentation detailing your actions and an updated copy of my credit report. Your prompt attention to this matter is greatly appreciated. 

TRUEACCORD C - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Herbert P. Sears Co., Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I am currently trying to get my life back together for my son and I. I demand this account be taken off immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XXXX XXXX hard inquiry. I never authorized this inquiry. I requested that XXXX XXXX XXXX XXXX XXXX remove this inquiry. No response from XXXX XXXX XXXX XXXX XXXX XXXX, never removed. The credit bureaus have a legal responsibility to report correct credit information that is legally permitted and authorized. This information is any of the above. This adverse information is causing me financial hardship due to not being able to obtain new credit and pay high interest rates for credit products.

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 2025-10-15 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: UPGRADE, INC.
State: TX

Complaint narrative:
UPGRADE INC Charged off, reported as loss, multiple late marks. 
Duplicate charge-off notations ; potential re-aging or inconsistent dates. 
FCRA 623 ( A ) ( 5 ) ( reporting of dates ) ; 607 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hello, I am writing to dispute inaccurate information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ). 
The account is being inaccurately reported. The original creditor sold this account to a third-party collection agency, XXXX XXXX XXXX XXXX and I have since paid that debt completely. 
The original creditors tradeline is still reporting as active and/or with a balance, which is false and misleading. Once an account has been sold and paid in full through a collection agency, the original creditor must report a {$0.00} balance and sold/closed status not continue to show it as an outstanding debt. 
This reporting constitutes duplicate and inaccurate reporting, which violates the FCRA. 
I am requesting that you : XXXX. Immediately investigate this account. 
XXXX. Remove the original creditors tradeline if it can not be verified as accurate. 
XXXX. Or, at minimum, update the account to reflect a {$0.00} balance and sold/closed status in compliance with federal law. 
Please send me written confirmation of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. 
Sincerely,

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