vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian has failed to comply with my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). I am a verified victim of identity theft. I submitted all required documentation to Experian, including : My FTC Identity Theft Report ( Affidavit ) A police report filed regarding the theft A D-64 identity theft block request form Despite providing these official documents, Experian has refused to block or remove the fraudulent account from my credit file as required by federal law. 
Account in Question : Creditor Name : XXXX XXXX Account Number : XXXX This account does not belong to me, and I have never opened or authorized any account with XXXX XXXX XXXX I have already informed Experian in writing that this account is the result of identity theft and provided full supporting documentation.

Under FCRA Section 605B, once a consumer provides an identity theft report and requests a block, a credit reporting agency must block the fraudulent information within XXXX ( XXXX ) business days. Experians continued reporting of this account constitutes a clear violation of this 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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX  credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
While on XXXX XXXX orders overcharged interest rate and fees with credit card issued by USAA. According to a Credit Card Statements XX/XX/XXXX for the year of XXXX I was charged {$1500.00} in interest at XXXX XXXX XXXX. In XXXX, the XXXX statement reports that I was charged {$2900.00} in interest at XXXX XXXX XXXX. In XXXX, I have been charged {$2000.00} in interest fees. 
USAA then sent me a SCRA refund check for {$1200.00} without clearly identifying what this is supposed to cover. I called multiple times to have someone explain what this is supposed to cover. I was told that, apparently, it is supposed to cover the interest and late fees I was charged. However, that check couldnt possibly cover the interest fees from XXXX because the XX/XX/XXXX XXXX reports that to date I was charged {$1900.00} in interest for XXXX. That does not include late fees of {$100.00}, which is also supposed to be waived. Again, where does the amount XXXX come from? Since XX/XX/XXXX, I have asked both the SCRA and credit cards departments in USAA to explain how this refund amount was calculated and have received no response. 
I am formally requesting that USAA respond in writing to explain how USAA reached this refund amount and why my SCRA benefits were denied when I had qualifying active times and provided the XXXX XXXX orders multiple times.

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 2025-11-07 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: GA

Complaint narrative:
I am filing a complaint because several creditors are unlawfully reporting my account utilization and balance data to the credit bureaus. Under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act, transactions or experiences between a consumer and the creditor are expressly excluded from the definition of a consumer report. Despite this, my creditorsXXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXhave reported utilization percentages that have significantly lowered my credit scores. I have formally requested correction or deletion, but the companies have failed to respond or resolve the issue. I am seeking full removal or reduction of all utilization data and a review for FCRA compliance.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against TransUnion because my credit report contains several unauthorized or inaccurate hard inquiries and negative accounts that I did not apply for or authorize. 

I have strong reason to believe that my personal information was compromised as part of the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates that TransUnion may have failed to maintain reasonable procedures to ensure the accuracy, confidentiality, and security of consumer information. 

These unauthorized items have negatively affected my credit score and overall creditworthiness. I did not initiate any of the applications associated with these inquiries or accounts, and I am very concerned that my personal data has been used fraudulently. 

Details of the disputed items XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-07 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, on behalf of XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, California XXXX, against TransUnion LLC for serious violations of the Fair Credit Reporting Act ( FCRA ). TransUnion has continued to report false and misleading information regarding an account reported by XXXX XXXX XXXX Account XXXX. XXXX ), which is shown as a XXXX with a {$0.00} balance and a remark stating Purchased by another lender. This reporting is inaccurate and deceptive. Once an account has been sold or transferred, the original creditor can not continue to report it as a charge-off, nor can a {$0.00} balance appear under derogatory status. Despite a formal written dispute submitted on XX/XX/2025, TransUnion has failed to correct or delete the erroneous tradeline, violating FCRA Sections 607 ( b ) and 611 ( a ), which require credit reporting agencies to ensure maximum possible accuracy and to reinvestigate disputed information within XXXX  days. 

TransUnions continued publication of this inaccurate data has caused material harm to the consumers credit profile, financial credibility, and opportunity to obtain credit. The agencys failure to properly investigate and correct this misleading information constitutes gross negligence and willful noncompliance with federal law. The authorized representative requests that the Consumer Financial Protection Bureau ( CFPB ) compel TransUnion to immediately correct or delete the inaccurate reporting of the Comenity Capital/ULTA account and update the record to show Transferred/Sold {$0.00} Balance, or delete it entirely if it can not be verified. Furthermore, TransUnion should provide written proof of the reinvestigation results, furnish an updated credit report to the consumer, and ensure compliance with FCRA procedures moving forward. This complaint is filed under the authority granted by the Consumer Authorization and Limited Assignment Agreement signed by XXXX XXXX on XX/XX/2025, authorizing XXXX XXXX XXXX, XXXX and XXXX XXXX to act on her behalf in filing disputes and complaints with federal regulators.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: ID

Complaint narrative:
XXXX XXXX XXXX has been repeatedly contacting my workplace, my family members, and even old contacts from years ago to try to obtain my location information. I sent a written cease communication notice under FDCPA 805 ( b ) and 805 ( c ) telling them to stop contacting my workplace and to stop contacting third parties. They continue to contact others anyway. 

On XX/XX/year> at XXXX XXXX  I received a voicemail from ( XXXX ) XXXX asking me to call back XXXX. They have also texted me from XXXX identifying themselves as XXXX XXXX XXXX. They are still contacting multiple people and leaving voicemails asking for my location even after I told them in writing to stop contacting third parties and to communicate only in writing by mail.

This is illegal contact after a cease communication request. They are violating FDCPA 805 ( b ) and 805 ( c ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was in a XXXX  and woke up. My phone was not anywhere I saw. So I had to buy another. I put my Bank of America app on it. I opened the app and saw {$4900.00} gone. It was used to buy XXXX. I reported to the bank they nothing. Ive reported to police. They did nothing. So I started. I noticed the person changed my phone number on the app to his. So I called. He admitted to stealing my property and money. He wanted to charge a finders fee of {$700.00}. I have paid that because Im in the XXXX  still. I have everything about this person and my bank wont help. The police will not help unless bank calls. I need 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 monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
This is a follow-up to a dispute filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding collection accounts and multiple credit inquiries inaccurately reported on my credit report. The collection accounts reported by XXXX with a balance of {$1300.00} and XXXX with a balance of {$480.00} remain unverified and appear to contain discrepancies, incomplete information, or unverifiable documentation. Despite my prior dispute requests, the credit reporting agency has not provided validation from the original creditors to confirm the balances, dates of default, or legitimacy of these collections. Additionally, multiple credit inquiries XXXX have been made without my authorization or were inaccurately reported. These inquiries include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The continued reporting of these inaccurate or unverifiable items is adversely affecting my credit profile.

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 2025-11-07 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: AR

Complaint narrative:
This is a follow-up to a dispute filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding collection accounts and multiple credit inquiries inaccurately reported on my credit report. The collection accounts reported by XXXX with a balance of {$1300.00} and XXXX with a balance of {$480.00} remain unverified and appear to contain discrepancies, incomplete information, or unverifiable documentation. Despite my prior dispute requests, the credit reporting agency has not provided validation from the original creditors to confirm the balances, dates of default, or legitimacy of these collections. Additionally, multiple credit inquiries XXXX have been made without my authorization or were inaccurately reported. These inquiries include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The continued reporting of these inaccurate or unverifiable items is adversely affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Happy Money, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, XXXX XXXX XXXX, acting as servicer for XXXX XXXX XXXX, responded to my CFPB inquiry regarding an alleged account originally issued by XXXX XXXX XXXX  through Happy Money. The company claimed ownership of an {$8200.00} balance and submitted documents to support the debt. 

Upon review, none of the documents provided show that a loan was ever funded or executed by the original lender. The Promissory Note, Member Agreement, and TILA Disclosure are unsigned by XXXX XXXX XXXX  and contain no evidence of disbursement or value transferred. XXXX also failed to include any valid assignment agreement or bill of sale showing that the account was lawfully transferred to XXXX XXXX. 

Despite these defects, XXXX continues to represent that the account is valid and refuses to delete or correct the tradeline, merely noting it as disputed. Reporting or attempting to collect on an unverified account constitutes a false and misleading representation of the character, amount, and legal status of the alleged debt.

I am disputing the account because no verified loan exists, no proof of consideration or assignment was provided, and the company has not produced documentation that meets the requirements of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. I am requesting that the company immediately cease all collection and reporting activity until proper validation is produced and that the tradeline be deleted if such proof can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$370.00}

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 non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00}

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

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 2025-11-07 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 HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: DC

Complaint narrative:
I request them to remove the inaccurate information from the followings. 
XXXX XXXX Account number XXXX {$550.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report reflects a bankruptcy that is not accurate, and I am kindly asking that an investigation be initiated to have it updated and corrected within 5 business days.

Company response to consumer: Closed with explanation