vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: NE

Complaint narrative:
Upon reviewing my credit reports, I discovered several accounts that are being reported inaccurately and without proper verification, despite prior disputes. For example, a XXXX XXXX XXXX  XXXX account is showing as a charge-off with inconsistent reporting dates and possible re-aging, which is prohibited under the Fair Credit Reporting Act ( FCRA ). A XXXX  XXXX XXXX account is listed as a charge-off with a balance of \ {$2900.00}, yet no documentation has been provided showing how this amount was calculated. Multiple collection accounts from XXXX XXXX XXXX, XXXX Funding, and XXXX XXXX XXXX remain on my report without proof of a valid assignment of the debt or any original creditor documentation. Additionally, a XXXX XXXX  XXXX  account is reporting as a charge-off, but the date of first delinquency is unclear and may place it beyond the legal reporting period. These accounts have been harming my credit profile, and I have repeatedly requested validation under the FCRA and Fair Debt Collection Practices Act ( FDCPA ), but the necessary documentation has not been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent USAA a certified dispute and 1099-C request for my credit card account under 15 U.S. Code 1681s-2 and 1692g. I disputed the accuracy of their reporting and requested confirmation of whether the debt had been forgiven, charged off for tax purposes, or otherwise canceled, along with supporting documentation. 

USAA responded on XX/XX/XXXX, stating the reporting was accurate, but failed to provide any IRS Form 1099-C or proof showing the legal basis for their continued reporting. 

My credit report states : Account closed at credit grantors request Status : Account Charged Off {$8700.00} written off, {$8700.00} past due as of XX/XX/XXXX Last payment : XX/XX/XXXX Status updated : XX/XX/XXXX This account continues to be reported as currently past due and charged off every month for nearly 5 years after charge-off, which is a form of re-aging in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) and 623 ( b ).

When the delinquency first occurred, I notified USAA that my job loss and inability to pay were caused directly by the COVID-19 pandemic in XXXX. Despite this, USAA has continued to penalize me by keeping the account in a perpetual delinquent status for the past five years, severely damaging my credit score and preventing me from securing employment and stable housing.

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 2025-08-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Complaint Regarding Mishandling of Fraudulent Charges and Poor Customer Service In XX/XX/year>, my CitiBank Best Buy credit card was charged thousands of dollars in another state. I immediately contacted Best Buy and disputed the charges. My card was deactivated, and my account was locked pending investigation by the XXXX XXXX department. 

It took over six months for CitiBank to confirm the charges were fraudulent. During this time, I received no proactive communication. I had to call weekly for updates, and late payments appeared on my credit report ( these were eventually corrected ). 

In XXXX XXXXnearly seven months into the processI was told by the XXXX XXXX department that I was being charged interest on the fraudulent charges, but was assured those charges would be removed. It is now almost nine months since the fraud occurred, the interest charges remain, I have received no further updates, and my credit report is again showing missed payments.

I have been a CitiBank cardholder for over ten years, have never carried a balance, and maintained a credit score close to XXXX. This prolonged mishandling, lack of communication, and continued negative impact on my credit is unacceptable. I am requesting immediate removal of all fraudulent charges and related interest, correction of my credit report, and a written explanation for the extended delays and repeated errors in handling my case.

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 2025-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ), which requires that a furnisher of information complete a dispute investigation within 30 days and update or correct inaccurate information with the credit reporting agencies. 

I disputed inaccurate late payment information on my Capital One account with the credit bureaus, and Capital One was required to respond within the statutory XXXX investigation period. The XXXX deadline passed, yet Capital One has failed to make the necessary corrections to my credit file or provide an adequate written explanation of their findings. 

Their failure to meet the FCRA investigation deadline and their continued reporting of inaccurate information is causing ongoing harm to my credit profile. I am requesting that the CFPB take immediate action to require Capital One to remove the disputed late payments from my credit reports and ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account appears twice on my credit report. The debt is not mine. Please remove from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$470.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$1800.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$550.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} INQUIRIES : XXXX XXXX Date : 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 2025-08-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
I recently obtained my credit report and found multiple fraudulent accounts and inquiries.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected 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 2025-08-08 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: GA

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 2025-08-08 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 writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.

Enclosed is a copy of my Police Report/ FTC Identity Theft Report ( FTC Report Numbers : XXXX ) as evidence supporting my identity theft claim. 

As stated in 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within four ( 4 ) business days.

I am notifying you that I have been a victim of identity theft. I have filed a complaint with the Federal Trade Commission, and a copy of that complaint is enclosed for your reference.

My credit report contains fraudulent accounts and hard inquiries that are not associated with me. All supporting documentation is included in this packet, and copies have been sent to your agency both via fax and Certified Mail.

I request the immediate removal and blocking of the following fraudulent acco
unts and hard inquiries from my credit report : Fraudulent Accounts : 1 ) XXXX  XXXX Fraudulent Hard Inquiries : 1 ) XXXX  XXXX/XXXX/2024 2 ) XXXX  XXXX/XXXX/2024

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 2025-08-08 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: MicroBilt / PRBC (formerly CL Verify)
State: WY

Complaint narrative:
I am filing this complaint against Microbilt XXXX for reporting a hard inquiry on my credit report dated XX/XX/year>, which I do not recognize or authorize. I did not apply for any product, service, or credit that would justify this inquiry, nor was I given any notice or explanation prior to its appearance on my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), a credit reporting agency or user of credit information may only obtain a consumer report with a permissible purpose. I exercised my right to dispute this inquiry by mailing Microbilt a letter on XX/XX/year>, requesting that they either : Provide me with proof of a permissible purpose, or Remove the inquiry from my credit file if they can not demonstrate a valid reason for obtaining my report. 


Instead of addressing the issue, Microbilt responded by requesting additional documents, including proof of identification, without directly addressing the legality or purpose of the inquiry itself. Their response raises serious concerns about their compliance with FCRA, as it suggests that the inquiry was placed without proper validation or permissible purpose at the time it was made. 
This lack of validation, followed by a request for personal documents after the fact, violates my consumer rights under FCRA. The burden is on the furnisher to ensure that the information they report is complete, accurate, and authorized, and to be able to substantiate their reporting when challenged.

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 2025-08-08 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: TX

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and credit score. These inaccuracies are preventing me from achieving financial freedom and stability.

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 2025-08-08 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: NV

Complaint narrative:
I am concerned about an unfamiliar inquiry on my credit report. I did not authorize or apply to this company, nor did I consent to them accessing my information. I am trying to understand how and why this happened, and it is causing me significant XXXX  and 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MoneyLion Inc.
State: KS

Complaint narrative:
I recently submitted a CFPB complaint against MoneyLion regarding inaccurate credit reporting ( complaint # XXXX ). 

Immediately afterward, I received an email from their XXXX XXXX XXXX  stating that my investment account would be forcibly closed due to my objection to an advisory agreement. This was the first communication I received about any issue with the account. No warning, no prior contactjust a sudden, final closure notice sent from a no-reply address. 

I believe this is a retaliatory action taken in direct response to my original dispute. This behavior is unacceptable. I was given no chance to communicate, no clarity about whether I would face tax consequences from forced liquidation, and no explanation for the timing. 

I am requesting a formal investigation into : 1. Whether MoneyLionXXXX XXXX is retaliating against consumers who exercise their right to dispute.

2. Whether the closure process violates transparency and disclosure laws.

3. The status and handling of any funds or securities in the account, and whether any unclaimed funds are being escheated prematurely. 



I want this account reinstated or the closure fully justified in writing. Consumers should not be punished for asserting their legal rights. This feels like an attempt to silence me and sever access to documentation relevant to the original dispute.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation