vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Checkr because they are reporting a criminal charge on my background check that is inaccurate. My report lists XXXX XXXX {$100.00} < {$750.00}, but this is false. I was XXXX  on XX/XX/XXXX, but the charges were never filed, never taken to court, and were officially dropped. No criminal case exists. Under the Fair Credit Reporting Act ( FCRA ), an arrest without a filed case or conviction can not be reported as an active criminal record. 

To prove the information was inaccurate, I submitted a certified criminal background search from the XXXX XXXX XXXX dated XX/XX/XXXX. This is the official XXXX XXXX XXXX. The document clearly states : No misdemeanor records under my name No criminal cases on file No history since XXXX Even after receiving certified proof, Checkr refused to correct the report. They stated the documentation was insufficient, even though it is the highest level of legal verification. They also refused to escalate my dispute to a supervisor and said their management team will not be able to assist. Instead, they attempted to force me to file a new dispute, which would illegally reset the 30-day reinvestigation deadline required by the FCRA.

Checkr has failed to comply with multiple FCRA requirements, including : Completing the reinvestigation of my XX/XX/XXXX dispute within 30 days Accepting and verifying official court documentation Ensuring maximum possible accuracy of my background report Providing reinvestigation results Deleting false criminal information This inaccurate criminal record is preventing me from working and causing financial and emotional harm. I am requesting that the CFPB require Checkr to remove the false charge, complete the reinvestigation of my original dispute, correct my report, and comply with all FCRA obligations. I am attaching the certified court document and screenshots showing Checkrs refusal to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus XXXX XXXX XXXX XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau : Charged Off Accounts : [ No charged off accounts listed for Experian ] Inquiries : XXXX XXXX, Date : XX/XX/24 Late Payments : XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX  {$3500.00} XXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX {$3600.00} XXXXXXXX XXXX XXXX XXXX {$2200.00}

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 2025-11-20 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 several inaccurate and unverifiable accounts being reported by Equifax. I have attempted to resolve these issues directly with the creditors and Equifax, but the information remains incorrect or incomplete. I am requesting a full investigation into the following accounts, as they are either obsolete, paid, not mine, or contain reporting errors inconsistent with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts ( In Dispute ) : XXXX XXXX ( Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX ( Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX  ( Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX ( Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX  ( Acct : XXXX & XXXX, XXXX XX/XX/XXXX ) XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XX/XX/XXXX ) XXXX ( Acct : XXXX, XXXX XX/XX/XXXX ) XXXX XXXX ( Acct : XXXX, Reported XX/XX/XXXX ) XXXX ( Acct : XXXX, XXXX XX/XX/XXXX ) Many of these accounts are outdated beyond the 7-year reporting period, reported with incorrect dates, or are not accurately reflecting the account status. I am requesting deletion or correction in accordance with FCRA 605 and 611. 

Late Payments ( In Dispute ) : XXXX ( Acct : XXXX ) XXXX/XXXX  ( Acct : XXXX ) XXXX  ( Acct : XXXX ) XXXX XXXX XXXX ( Acct : XXXX & XXXX ) These accounts are reporting late payments that are either inaccurate or unverified. Please investigate and provide documentation of any verifiable delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

In accordance with FCRA 609 ( a ) ( 1 ), I hereby request full disclosure of all information in your possession related to this account. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are explicitly prohibited from reporting information that they knowor should reasonably knowto be inaccurate or unverifiable. The continued reporting of such information constitutes negligent or willful noncompliance with federal law.

Because the creditor has failed to validate the alleged debt, the information is legally unverified. Therefore, I am demanding the immediate deletion of the Charge-Off account from my credit file as required by FCRA when an account can not be substantiated through proper documentation.

Please complete the reinvestigation within the required statutory time frame and provide written confirmation of your findings and corrective 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 explanation
Consumer complaint received 2025-11-20 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My account was closed on XX/XX/year> without prior authorization. On XX/XX/XXXX, I contacted a representative to understand the reason for the closure and requested copies of the account agreement disclosures to confirm that a permissible purpose existed for ongoing access to my credit report. The representative indicated the closure was based on information from my credit report. 

On XX/XX/XXXX, I received a written response stating : " Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY Bank account and the opportunity to serve you. Copies of agreements are available for open accounts or closed accounts with an outstanding balance. We do not maintain copies of credit agreements for closed, paid-in-full accounts and therefore can not provide you with a copy. '' In accordance with applicable record retention requirements, the agreement should have been retained and made available upon request. The bank has declined to provide the documentation I requested and will not confirm whether I authorized continued credit report access after account origination.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Subject : Formal Complaint Against USAA for Withholding Funds and Causing Financial Hardship To Whom It May Concern, I am submitting this complaint regarding USAA Federal Savings Bank due to their improper handling of my account, withholding of my funds, and failure to provide adequate customer service or dispute resolution assistance. Their actions have caused significant financial hardship and have placed me at risk of mortgage delinquency and foreclosure.

USAA abruptly suspended my banking relationship and is currently withholding my funds pending an internal review, which they state may take up to 60 days. I depend on access to my funds to meet essential financial obligations, including my mortgage, and this unexplained delay is unacceptable.

Additionally, a credit reversal was applied to my account due to alleged invalid dates, which placed my account into a negative balance. USAA has not provided a clear explanation for this action, despite having the capability to verify the date, time, and location of all transactions on my card. Their dispute resolution team has offered no meaningful assistance, transparency, or timely updates.

As a veteran/service member relying on consistent financial services, USAAs handling of this matter has created an unnecessary and avoidable financial crisis. I request the CFPBs assistance in reviewing this issue and ensuring that USAA releases my funds, corrects any improper account actions, and provides a clear explanation for the credit reversal.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
I am a consumer working to repair my credit and addressing the inaccurate or incomplete reporting of certain accounts on my credit report. Below is the list of accounts that I dispute, including details regarding the charges, inquiries, and late payments. I request that the Consumer Financial Protection Bureau investigate these discrepancie CHARGED OFF : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENT : XXXX  XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : 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 2025-11-20 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: MO

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid for a service that I did not receive. I notified Wells Fargo claims department for assistance to recoup my funds from the merchant in the amount of {$2400.00}. I forwarded documentation to Wells Fargo for verification to support my claim and I was denied.

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 2025-11-20 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: NJ

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 explanation