vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: T.S. Holdings
State: TX

Complaint narrative:
IQ Data International , Inc. unlawfully obtained a copy of said apartment lease from said former property management company I.Q. Data International, dba Assurant Recovery Solutions. The company then used that document to report a false debt to the credit bureaus, claiming I owed a balance that I did not authorize or incur. The debt IQ Data reported is directly connected to that identity theft and does not belong to me. IQ Data has admitted to receiving said lease from the apartment complex but had no permissible purpose or written authorization to obtain or use it. I requested validation from the company and they have not validated my home address nor provided the lease which they said I singed for them to obtain and report debt to credit bureaus, I have disputed this information with the credit bureaus under 15 U.S.C. 1681c-2 ( FCRA Identity Theft Block ), but IQ Data continues to report the false debt, harming my credit, preventing housing approvals, and causing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Wife and I received letters dated XXXX XX/XX/XXXX from USAA Federal Savings Bank to update digital information by XXXX XX/XX/XXXX to avoid possible closure or restrictions to savings, checking and credit accounts. Same day they sent letter closing credit card. Received letters XXXX XXXX and updated required information. Document XXXX case # XXXX closed XXXX XX/XX/XXXX in our favor to keep accounts open and remove restrictions by USAA, this was verified via phone calls. Today open mobile app and see savings account closed and checking account restricted and process of being closed. Called USAA and statement I got was ODOC XXXX, case # XXXX said management decision to close again with no other reason. So I have done formal complaint with them, but don\t trust process since they ruled in our favor and still closed without notice. I believe USAA is operating fraudulently without proper reasoning on closer or gaining required information as they state over the phone. This all after 27 years with them and good standing the whole time.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XX/XX/XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items withinXX/XX/XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XX/XX/XXXXdays have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-20 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: NC

Complaint narrative:
I am writing to advise that I am a XXXX XXXX XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * * * * - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX * * * * * * * * * * * * * * * * * - XX/XX/XXXX - {$860.00} XXXX XXXX XXXX * * * * * * * * * * * * * * * * * - XX/XX/XXXX - {$4000.00} XXXX XXXX XXXXXXXX * * * XXXX * * * * * * * * * * * * * - XX/XX/XXXX - {$2300.00} XXXX  - XXXX * * * * * XXXX * * * * * * * - XX/XX/XXXX - {$4800.00} XXXX - XXXX * * * * * XXXX * * * * * * * * * - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * * - XX/XX/XXXX - {$13000.00} MACYS/CBNA - XXXX * * * * * * * XXXX * * * * * * * * * - XX/XX/XXXX - {$5800.00} INQUIRIES : FACTUAL DATA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-20 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: MI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DailyPay, Inc
State: OH

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding DailyPay, a wage access service, due to repeated mishandling of my funds, failure to provide trace information, and negligent escalation practices that have caused me serious financial harm. On XX/XX/year>, I discovered that a transfer of {$390.00} was missing from my account. I immediately contacted DailyPay and requested an escalation, and despite being told multiple times that my issue would be escalated the same day, it was not submitted until the following Wednesday. After the escalation, I was repeatedly told I would receive answers within XXXX hours, but no answers were ever provided. I have followed up over 8 business days, making over XXXX calls, speaking with multiple support agents and supervisors, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and my case manager XXXX, and still have no resolution, no trace ID, and no reimbursement. My case manager XXXX is not responsive, and when she does respond, she provides information as if I were at fault or mishandled the funds, rather than giving any real answers or solutions. DailyPay repeatedly instructed me to contact banks or third-party apps ( XXXX, XXXXXXXX XXXX XXXX  ) actions I have already completed multiple times instead of taking accountability or tracing the missing funds. I was explicitly told the deposit would bounce back if the account wasnt active ; it did not, and I was promised a trace ID, which was never provided. Because of DailyPays negligence and failure to act, I am now at risk of eviction, and the lack of transparency has caused significant financial distress. I am requesting immediate reimbursement of {$390.00} or confirmation of the missing funds, the trace ID, a complete record of all tickets and escalations filed on my behalf with names, dates, and departments responsible, and accountability from the specific staff or department responsible for resolving this issue, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX. I am submitting this complaint to ensure DailyPay is held accountable for their repeated negligence, lack of communication, and failure to fulfill their obligations. Please contact me if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I am requesting the servicer to remove the delinquency status from my credit report. I have a proven track record of timely payments over many years, not only to my student loans but also to any other credit sources I have. When student loan payments restarted earlier this spring, I, like millions of others, did not realize my payments had resumed. As a result, my account was reported delinquent. I began making monthly payments to cover the current loan amount as soon as I realized what had happened. My damaged credit score prevented me from paying off the delinquent amount, as I could not take out a loan to cover it without facing exorbitant interest rates. 
I am a government employee and have been since XXXX. Over the years, I followed the steps to move my loan from a Parent PLUS loan to a consolidated loan that qualifies for XXXX forgiveness. Recently, I was told my loan does NOT qualify. 
XXXX. XXXX XXXX : I have been enrolled in an income-driven repayment plan since XXXX. 
XXXX. Employment Certification : As a government employee, I've submitted verifiable employment certification forms. 
I am just learning that none of my payments were counted toward forgiveness. This process has been frustrating from the start, beginning when I took out a loan for my childrens education. I am close to retirement and can not allow this situation to continuethere is still no guidance on how to fix it. My XXXX XXXX, which I worked hard to rebuild after a divorce, suffered greatly. I need clear next steps to resolve the XXXX eligibility and credit issues, specifically since I no longer have XXXX  years of work in my future for the full XXXX  monthly payments to start over again. I would love to work together for a fair resolution. 
This issue will impact me well into my senior years. It places me in a difficult position as I approach retirement. My account showed a past due balance on Nelnet, and reports of delinquent payments remained in my history. It appears the past due amount that lowered my XXXX XXXX earlier this spring was removed, and I now show only a current balance, set up with automatic monthly withdrawal. However, the previous XXXX months of delinquency reporting will affect my financial health for years. Removing the delinquent amounts from my credit report would give me the financial stability I need in retirement and ensure the agency upholds accurate, fair reporting. This correction would let me retire with confidence and demonstrate the agency 's commitment to fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.

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 2025-10-20 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: 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 2025-10-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away housing for something that I believe should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon, and I didnt sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They also didnt follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly they have violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE.

This accounts presence has greatly impacted my peace of mind. I have attached all necessary verification documents and ask that it be removed 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 non-monetary relief
Consumer complaint received 2025-10-20 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
Re : Request for Account Information Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 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: NY

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates XX/XX/year>, XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! please see screenshot attached :

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This inaccurate account has negatively affected my emotional well-being and ability to sleep. Please review the enclosed documentation and remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am a small business owner disputing a debt that I do not owe. XXXX XXXX XXXX XXXX assigned my account to Credence Resource Management for collection of early termination fees ( XXXX  ) related to Fleet Complete GPS tracking lines. 

In early XXXX, I sold the company vehicles and equipment that contained the XXXX XXXX tracking hardware. The GPS devices were hardwired into the vehicles and not removable without significant cost or damage, so when the vehicles were sold, the devices went with them. I properly canceled the lines with XXXX XXXX XXXX at that time. XXXX XXXX XXXX and XXXX XXXX both previously confirmed that the XXXX  would be waived under these circumstances. 

Despite this, XXXX XXXX XXXX later billed me for approximately {$1600.00} in XXXX, which were then sent to collections. I disputed this in writing with XXXX  on XX/XX/XXXX. In response, they only provided a generic XXXX XXXX XXXX XXXX XXXX and XXXX itemized statements, none of which showed any line-level contract terms, XXXX  authorization, or written proof that I agreed to a new service term. 

XXXX Complete later confirmed by email ( from XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX  ) that the contract and billing are handled by XXXX XXXX XXXX, meaning XXXX XXXX XXXX is responsible for resolving the issue. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not responded to multiple emails. 

XXXX  continues to contact me even though the account remains under dispute, and no valid documentation proving the debt has been provided. This is a clear case of attempting to collect a debt not owed and failure to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB XXXX this matter and require XXXX XXXX XXXX and/or XXXX  to cease all collection activity and correct any related credit reporting.

Company response to consumer: Closed with non-monetary relief