vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Key facts A final divorce decree dated XX/XX/2022 legally assigned full liability for this account to my XXXX. USAAs records also show the account closed/assigned on that date. 
Although a balance remains outstanding, no monthly installments have been contractually due from me since the assignment date. 
Despite the absence of scheduled payments, USAA continues to furnish XXXX, XXXX, and XXXX late codes for XX/XX/2022 forward. A payment can not be late when no due date exists post-closure. 
On [ most recent voicemail date ], I received a voicemail from XXXX, calling on behalf of the CEOs office, with a callback number. I called that number XXXX times ; each call rang unanswered, and the voicemail system only allowed a five-second message, making it impossible to leave meaningful information. 
I have also sent multiple written requests ( certified letters and emails ) asking for correction, validation, and a method to resolve any remaining balance. USAA has provided no substantive response. 

Why the reporting is improper Furnishing late-payment information when no payment was required is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ). At most, the tradeline should read Closed/TransferredBalance Outstanding, not delinquent.

USAAs refusal to supply validation or a workable way to pay the balance also raises concerns under FCRA dispute provisions and the Equal Credit Opportunity Act ( ECOA ).

The erroneous derogatory marks have lowered my credit scores, resulting in higher borrowing costs and measurable financial harm.

Steps already taken Filed formal disputes with XXXX XXXX, and XXXX  ; the tradeline remains unchanged.

Made eight unsuccessful calls to the callback number left by USAA ( Alexes, CEOs office ) ; voicemail allowed only a five-second recording.

Sent multiple written requests to USAAno meaningful reply.

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 2025-06-20 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-06-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I dispute a collection account that has been sold several times the original owner was XXXX XXXX XXXX. The last statement provide by the collection company shows that the balance on the account was {$290.00} they submitted a collection for {$610.00}. I asked them to verify the account and was only provide with a copy of last statement. Incorrect Information provided to the credit reporting agency has to be correct. I am asking that this account to be removed from my credit report for incorrect Information. Please see statement provided by the collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these fraudulent accounts and inquiries from my credit report immediately.

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 2025-06-20 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: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at an account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX XXXX XXXX  an account opened at XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX an account opened at XXXX XXXX, XXXX on XX/XX/XXXX under the account number XXXX XXXX XXXX XXXX XXXX  an account opened at XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( 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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I made XXXX payments for the car payment dated : XX/XX/XXXX : {$300.00} XX/XX/XXXX : {$600.00} And received an extension for the future payment, extension approved XX/XX/XXXX for next payment due on XX/XX/XXXX. 

Furthermore, within the billing statement it is currently reflecting that the account is over 90 days past due. XXXX payments made XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX were reversed according to the billing statement on XX/XX/XXXX and vehicle is set for repossession. 


I disputed this information as inaccurate and validated that payments made XX/XX/XXXX and XX/XX/XXXX were deducted from bank and not returned. I sent over the billing documents that reflected the payments were not returned, and the accounting department stated that reviewing these documents they would cancel the invalid repossession that was being sent to the billing department. I sent over XXXX documents, XX/XX/XXXX billing statement, and XX/XX/XXXX billing statement, these documents reflected the payments were made with validity and also that the payments were never reversed and in fact deducted from my checking account. My bank account states that these payments were true and accurate and never returned. Upon reviewing the statements, they initially had stated they were reviewed and stated the repossession request was created by mistake, and moving forward would cancel the repossession. During the next conversation with accounting team made on XX/XX/XXXX, appr. date per phone conversation after sending over the documents, the accounting team stated that they reviewed the documents and the repossession would still be valid that they never received the payments. I contacted my bank again and asked if they sent the payments and they stated that in fact the payments were never reversed and the company was paid on the dates the statement reflects, XX/XX/XXXX & XX/XX/XXXX, the payments were deducted with accuracy. The company is still reflecting the repossession when I login to the portal, and my bank has now informed me to make a police report for theft of the financing company stealing the funds, and that the repossession would not be valid because they paid the funds to the financing company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> while I was at work I got a notification from chase fraud saying there was a suspicious transaction of {$960.00} and if I was the one making the transaction, I immediately responded and said NO. I got a messege back saying my card could be locked and canceled and I would get sent a new one. Also on my account someone tried moving {$2000.00} dollars from my savings to my checking account but luckily they didnt take that money only the amount of {$960.00} was allowed by chase for someone to use at the USPS in XXXX XXXX DE. Which was weird to me because I live in XXXX Texas, I immediately called chase to get a claim that same day and they were able to give my money back on XX/XX/year> and that same money XX/XX/year> I got in the mail my new card which I activated that same day but following the days of investigation they reversed the claim on XX/XX/year>. I immediately called to see what was going on thinking I had solved that problem already, they denied the claim on XX/XX/year> and refuse to let me do another claim even thought I keep telling them it wasnt me and I had also replied to the email and text both sent to me that day for the fraudulent transaction that it was not me. Which I have provided screen shots of both, I have also tried contacting XXXX but they have not reached back out to me and they ask me for tracking number which I dont have because I did not make that purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: TX

Complaint narrative:
I am filing a complaint against XXXX ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) regarding their continued collection activity and credit reporting related to an alleged debt originally associated with XXXX XXXX  and XXXX XXXX XXXX, XXXX. On [ insert date you sent the letter ], I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by sending a formal written request demanding full validation of the alleged debt pursuant to 15 U.S.C. 1692g ( b ) and the cessation of all communication pursuant to 15 U.S.C. 1692c ( c ). Specifically, I requested : Verification of the debt, including a copy of the original signed contract. Full itemization of the balance. Proof of legal assignment and authorization to collect. Confirmation of compliance with the applicable statute of limitations. Disclosure regarding any Form 1099-C issuance under 26 U.S.C. 6050P. Despite my lawful demand, XXXX has : Failed to provide the requested validation documentation. Continued reporting the alleged debt to credit reporting agencies. Failed to properly investigate and verify the disputed information as required under 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Their actions constitute violations of the FDCPA and the FCRA. Under the FDCPA, a debt collector must cease collection activity until the debt is validated. Under the FCRA, information furnished to credit reporting agencies must be accurate, complete, and verifiable. Furthermore, any continued communication or collection attempt without full validation violates 15 U.S.C. 1692c ( c ) and may be considered harassing conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
This is a formal notice that there are fraudulent accounts appearing on my credit report that were created without my consent. I did not authorize these accounts and have no knowledge of their origin. I request that they be deleted from my credit file in accordance with 15 U.S. Code 1681g. I am asking that this be resolved within 15 days from the date of this notice. Please see the attached documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the 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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief