vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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 am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AR

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of 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 2025-12-04 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: AR

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
{$5600.00} I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-12-04 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: CA

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-12-04 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: MO

Complaint narrative:
I have always paid my credit card accounts on time, but when I realized on XX/XX/XXXX, I wouldnt be able to make my XX/XX/XXXX payment, I submitted a promise to pay or scheduled a payment on XX/XX/XXXX. XXXX XXXX accepted my schedule payment that would automatically be deducted from my account. XXXX XXXX submitted my account delinquent to all credit bureaus including Experian. I submitted a dispute with Experian and they stated XXXX XXXX  decision is accurate. I provided proof of payment schedule from my email, but they still would not take it off 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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX USAA dispute ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shop {$310000.00} Disputes Department, I am writing to formally appeal the denial of my USAA dispute ( XXXX ) regarding a purchase I made while traveling in XXXX. I paid for a custom mosaic that was never delivered to me, and the merchant now claims it is " held or lost in customs. '' Regardless of this claim, I have not received the item I paid for, and therefore, I am entitled to a refund under applicable consumer protection laws and card network chargeback rules. 
Under the Fair Credit Billing Act, I have the right to dispute charges for goods that were not received. I requested that USAA reopen my dispute under XXXX  chargeback rule XXXX, or Reason Code XXXX, is for " Merchandise/Services Not Received. Under Visa/Mastercard/Amex chargeback codes ( depending on the card used ), non-receipt of goods is a valid reason for chargeback even in cases of international purchases or shipping issues. USAA has refused to honor the XXXX chargeback rules for Merchandise not received. 
To be clear : The item was never delivered to me. 
The merchant has failed to provide any proof of delivery. 
XXXX delays or losses are the merchants responsibility, not mine as the consumer. 
The dispute was denied based on the merchants response, but I still have not received what I paid for, which is the central issue. 
I respectfully request that you re-open the dispute or conduct an appeal review, and initiate a chargeback for this transaction. Enclosed are all relevant documents, including : A copy of the order/receipt Correspondence with the merchant Their admission that the item is lost or stuck in XXXX Evidence that I have not received the item I an escalating this case to the Consumer Financial Protection Bureau ( CFPB ) for further investigation. 
Thank you for your attention to this matter.

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 2025-12-04 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: Guild Holdings Company
State: NV

Complaint narrative:
This complaint is being submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ) to REQUEST A REINVESTIGATION for the account listed below, which contains inaccurate, inconsistent, and legally unverifiable information. You are also being placed on notice that prior disputes concerning this account were subjected to what can only be described as sham investigationssuperficial reviews conducted solely through automated systems ( e.g., e-OSCAR ) without any meaningful evaluation or consumer-specific validation, in direct violation of FCRA 1681i ( a ) ( 1 ) ( A ).

These practices violate my consumer rights and contradict your obligations to follow reasonable procedures designed to assure maximum possible accuracy under FCRA 1681e ( b ), as well as Metro 2 data integrity standards.

Below is the disputed account, including specific arguments that support my claims of inaccuracy and the need for permanent deletion if the information can not be lawfully and verifiably validated : GUILD MORTGAGE COMPANY Account Ending XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} Although this mortgage account is closed with a {$0.00} balance, it is being reported with a 30day late payment from XX/XX/XXXX, which is inaccurate and misleading. The FCRA under 1681c prohibits the retention or reporting of inaccurate or outdated derogatory information, especially on closed accounts with no active liability. Additionally, XXXX  law ( XXXX XXXX ) considers it deceptive to misrepresent a closed account by furnishing false derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

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 non-monetary relief
Consumer complaint received 2025-12-04 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: TX

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 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding XXXX unauthorized XXXX transactions that were made from my Alliant Credit Union account on XX/XX/year> ( {$1500.00} ), XX/XX/year> ( {$1600.00} ), and XX/XX/year> ( {$800.00} ). I have reopened the dispute multiple times with Alliant, and they continue to deny my claim, even after I submitted documentation showing these transactions were not made by me. 
I do not have a XXXX account, and I have proof from XXXX showing that my phone was down before and during the time these transactions occurred, as well as XXXX device data showing my phone activity. During this same time, I experienced fraudulent activity in my XXXX XXXX account, which is connected to my Alliant account, and Alliant was fully informed of this. XXXX also confirmed fraudulent activity on my phone account during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified by Bank of America that they were closing both my business checking account and personal checking account. 

I was completely blindsided by this. I had these accounts with Bank of America for years without any incidents. Not once did they contact me beforehand to inquire about anything, they just close my accounts out of nowhere and wont give me any specific reason other than saying the same generic line " personal business decision ''. 

Furthermore, they are now holding over {$70000.00} of my funds hostage and refusing to send me the cashiers check for my account balance for both my business and personal checking accounts. 

They gave me an ESTIMATED date of XX/XX/XXXX ( over a month from now ) for the release of my own funds which is unacceptable. I have bills to pay, it makes no sense for them to hold my own funds hostage for this long when I didn't have a single issue with my accounts to begin with.

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 2025-12-04 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I purchased an airline ticket from XXXX XXXX in the amount of {$250.00}, got my ticket online and went to my wonderful vacation trip, never did I had any concerns with the transaction since I reasonable believed that the minute I got the flight ticket it was paid and done. At no time XXXX XXXX disclosed the existence or association of Affirm associated with the transaction. A couple of month went by until I Started receiving mysterious invoices from and entity named Affirm whom I had no prior business engagements, a second entity named XXXX have been constantly emailing me demanding payment on behalf of affirm. I provided XXXX with ample documentation associated with the XXXX XXXX ticket purchased. I made several attempts to reach out to XXXX XXXX and request explanation of this issue but my efforts were unsuccessful, XXXX XXXX refused to provide documentation o the transaction they claimed I fill of a web link. It is reasonable impossible if true that I would provide information such as " holder name : " XXXX XXXX XXXX '' since obviously my name is not affirm, nor is the credit card number " XXXX '' depicted on the invoice attached since I don't hold a credit card with such number. I reasonable believe that this is some sort of an attempt of fraudulent transaction using undisclosed information with the intention of later on charging people high credit interest rates. Further I never authorized financing such a small amount much less had the need to do so. Please refer to the attached documentation. Further XXXX went to the extent to pull money from my bank account or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-12-04 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: NC

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 2025-12-04 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:
These accounts should not be associated with me, as I did not authorize their creation. I request a detailed review and removal once confirmed. Supporting paperwork is attached for your convenience.

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