vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and potentially unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I request a thorough investigation of the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4800.00} XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$690.00} Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), negative data may only remain on a credit report for a limited time. FCRA 611 ( 15 U.S.C. 1681i ) provides me the right to dispute inaccurate information and requires that a proper investigation be conducted. Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ) mandate that data furnishers investigate and correct disputed information, and FDCPA 809 ( 15 U.S.C. 1692g ) ensures my right to request debt validation from the original creditors.

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 2025-10-28 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: NY

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute certain negative items on my credit report that I believe are a result of identity theft, in accordance with my rights under the Fair Credit Reporting Act, specifically 15 USC 1681c-2. These accounts were opened without my authorization and do not reflect any of my personal transactions or financial activity. Due to the nature of these accounts as fraudulent, I request an immediate investigation and the removal of these items from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting this complaint to formally request the correction of inaccurate information on my credit file. My goal is to ensure that my credit report accurately reflects my payment history and account statusesnot to request removal of valid accounts. 
While reviewing my recent credit report, I noticed that my XXXX XXXX account ending in XXXX with a balance of {$4900.00} is reported as XXXX days late in XX/XX/XXXX and XXXX  days late in XX/XX/XXXX, even though my payment records clearly show that all payments were made on time. Similarly, my XXXX XXXX XXXX  account ending in XXXX with a balance of {$1400.00} is shown as XXXX  days late in XX/XX/XXXX, despite my consistent record of timely payments. Furthermore, several XXXX accounts ending in XXXX, with balances ranging from {$880.00} to {$3700.00}, are reported as XXXX  days late in XX/XX/XXXX and XXXX  days late in XX/XX/XXXX. These inaccurate late payment reports are repeated across multiple accounts with balances of {$2800.00}, {$3700.00}, {$2100.00}, {$2800.00}, {$880.00}, {$2300.00}, and {$2900.00}, yet my records demonstrate that all scheduled payments were made promptly and on time. 
Under the Fair Credit Reporting Act ( FCRA ), I have several rights that support this correction request. FCRA 607 ( b ) / 15 U.S.C 1681e ( b ) requires furnishers and credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information reported. The repeated misreporting of late payments on my accounts constitutes a violation of this provision. Likewise, FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers report accurate information to credit bureaus, and failure to correct inaccuracies is noncompliant with federal law.

Furthermore, FCRA 611 ( a ) / 15 U.S.C 1681i ( a ) grants me the right to dispute any inaccurate information and requires that any unverifiable or incorrect data must be corrected within XXXX  days. Finally, FCRA 609 ( a ) / 15 U.S.C 1681g ( a ) ensures my right to obtain complete disclosure of all information in my credit file, which allows me to identify and dispute inaccuracies effectively.

In light of these provisions,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting this complaint to formally request the correction of inaccurate information on my credit file. My goal is to ensure that my credit report accurately reflects my payment history and account statusesnot to request removal of valid accounts. 
While reviewing my recent credit report, I noticed that my XXXX XXXX account ending in XXXX with a balance of {$4900.00} is reported as XXXX days late in XX/XX/XXXX and XXXX  days late in XX/XX/XXXX, even though my payment records clearly show that all payments were made on time. Similarly, my XXXX XXXX XXXX  account ending in XXXX with a balance of {$1400.00} is shown as XXXX  days late in XX/XX/XXXX, despite my consistent record of timely payments. Furthermore, several XXXX accounts ending in XXXX, with balances ranging from {$880.00} to {$3700.00}, are reported as XXXX  days late in XX/XX/XXXX and XXXX  days late in XX/XX/XXXX. These inaccurate late payment reports are repeated across multiple accounts with balances of {$2800.00}, {$3700.00}, {$2100.00}, {$2800.00}, {$880.00}, {$2300.00}, and {$2900.00}, yet my records demonstrate that all scheduled payments were made promptly and on time. 
Under the Fair Credit Reporting Act ( FCRA ), I have several rights that support this correction request. FCRA 607 ( b ) / 15 U.S.C 1681e ( b ) requires furnishers and credit reporting agencies to follow reasonable procedures to ensure maximum accuracy of the information reported. The repeated misreporting of late payments on my accounts constitutes a violation of this provision. Likewise, FCRA 623 ( a ) ( 1 ) ( A ) / 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers report accurate information to credit bureaus, and failure to correct inaccuracies is noncompliant with federal law.

Furthermore, FCRA 611 ( a ) / 15 U.S.C 1681i ( a ) grants me the right to dispute any inaccurate information and requires that any unverifiable or incorrect data must be corrected within XXXX  days. Finally, FCRA 609 ( a ) / 15 U.S.C 1681g ( a ) ensures my right to obtain complete disclosure of all information in my credit file, which allows me to identify and dispute inaccuracies effectively.

In light of these provisions,

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I did not give this this company consent to report my personal info on my consumer report, this is consider aggravated identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
First thing is I went to go look for a website for help online with homework I came across get help for online class is the company. My first payment was XX/XX/XXXX for {$120.00} then they kept asking for more money so a total of {$7800.00}. Last payment was XX/XX/XXXX for XXXX. I called on XX/XX/XXXX XXXX XXXX my bank and they couldn't reimburse me for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
ACCOUNT INQUIRIES NOT CORRECT AS WELL AS CREDIT COLLECTION REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
a year and half ago i sent documents to transunion as me being victim of XXXX XXXX which cause multiple account opened under my name and not being me. 
transunion reviewed the documents investigated and confirmed they were fine and removed the accounts affected. 
now a year and half later transunion put all the accounts back without any reasons. and refused to show me documentations as to why.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I previously submitted a written dispute to TOYOTA MOTOR CREDIT dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), TOYOTA MOTOR CREDIT has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since TOYOTA MOTOR CREDIT did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXXOYOTA MOTOR CREDITs immediate compliance with FCRA requirements.

TOYOTA MOTOR CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-28 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: SC

Complaint narrative:
I am submitting this complaint because XXXX of my auto accounts XXXX with XXXX and the other with XXXX XXXX are not being reported accurately across the credit bureaus. Both accounts have been fully paid in good standing, yet my credit reports continue to reflect outdated or incorrect late payment information. My XXXX account was opened on XX/XX/XXXX, and paid in full on XX/XX/XXXX. My XXXX XXXX account was a lease opened on XX/XX/XXXX, and completed on XX/XX/XXXX. In both cases, I fulfilled all financial obligations, and each account should now reflect a status of Paid as Agreed. I have contacted the credit bureaus directly to request a reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ), but the reports have not yet been accurately updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was involved in a not-at-fault vehicle incident. USAA recorded my First Notice of Loss ( FNOL ) call ( approximately XXXX minutes ) and on XX/XX/XXXX recorded a detailed statement ( approximately XXXX minutes ). 
USAA provided incorrect contact information for the at-fault party 's insurer ( XXXX XXXX ) , causing an XXXX delay in my ability to pursue my claim. USAA gave me a wrong phone number that prevented me from contacting the liable insurer for nearly a year. 
On XX/XX/XXXX, I submitted a formal written demand to USAA requesting : ( XXXX ) full verbatim recordings of my XX/XX/XXXX FNOL call and XX/XX/XXXX recorded statement, ( XXXX ) certified transcripts of all claim-related calls, ( XXXX ) all written correspondence, and ( XXXX ) explanation of the XXXX contact-information error. This request was made pursuant to California Insurance Code 791.08 ( access to recorded personal information ) and XXXX ( claim-related communications ). 
USAA explicitly told me I am not entitled to and not allowed to have recordings of statements I made. USAA only provided XXXX transcript of a call with a claims manager - NOT the FNOL call or recorded statement I specifically requested. This selective production while refusing access to the recordings I'm entitled to violates California Insurance Code 791.08. 
USAA has missed every deadline : XX/XX/XXXX : Written confirmation deadline - no response XX/XX/XXXX : Document production deadline - only provided XXXX unrelated transcript, refused the recordings requested XX/XX/XXXX : Statutory 15-day deadline under California Insurance Code 2071 and Title 10 CCR 2695.5 ( b ) These violations include California Insurance Code 790.03 ( h ) ( unfair claims practices ), 2071, 791.08, and Title 10 CCR 2695.3 and 2695.5 ( b ).

I filed a California Department of Insurance complaint ( Case # XXXX ) on XX/XX/XXXX. USAA continues to refuse production of the specific recordings and transcripts I requested and am legally entitled to access. 
As a federally recognized tribal member ( XXXX XXXX XXXX XXXX ), I am concerned these delay tactics may constitute discriminatory treatment.

I request CFPB intervention to compel USAA 's immediate compliance with California 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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I recently reviewed my credit reports and was concerned to discover inaccuracies regarding certain accounts that do not accurately reflect my financial history. I have always prioritized meeting my obligations, yet the way some accounts are reported is misleading, inconsistent, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and request a thorough reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} Under FCRA 605 ( a ), negative information such as charge-offs and collections may only remain on a credit report for seven years from the date of the original delinquency, not the date of the charge-off or reporting. Furthermore, FCRA 611 guarantees my right to dispute inaccurate information and requires your office to conduct a reasonable reinvestigation. FDCPA 809 also ensures that I can request validation from the original creditors to confirm that these debts are accurate and verifiable. I request that these accounts be fully verified, and if the information can not be confirmed as accurate, I ask that they be promptly removed 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 2025-10-28 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: GA

Complaint narrative:
I am submitting this formally dispute several inaccurate and outdated items currently being reported on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 605 ( a ) ( 15 U.S.C. 1681c ) Prohibiting obsolete or outdated information from being reported ; FCRA 623 ( a ) ( 5 ) Requiring accurate reporting of the Date of First Delinquency ( DOFD ) ; and FCRA 604 ( a ) ( 3 ) Restricting inquiries to those made with a permissible purpose. The information listed below contains discrepancies, outdated data, and unverifiable details that have negatively affected my credit standing. I request a full reinvestigation and correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$94.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief