vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I noticed that TransUnion is reporting inaccurate and unverifiable accounts on my credit file. The reported account ( s ) show XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance {$0.00} XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX. XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$2900.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX {$3000.00} I disputed these items directly with the bureau on XX/XX/year> and provided notice that the information was inaccurate. Despite this, the bureau has continued to report the accounts without providing me with full validation from the furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) 611, 15 USC 1681i, the bureau must conduct a reasonable reinvestigation and delete any information that can not be fully verified. Additionally, under FCRA 607 ( b ), 15 USC 1681e ( b ), they are required to maintain maximum possible accuracy in consumer reports. 

Since the accounts remain unverifiable and inaccurate, I am requesting immediate and permanent deletion of these items. The continued reporting of unverifiable information is harming my creditworthiness and is in direct violation of the FCRA.

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 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/year> Spring Oaks Capital LLC XXXX. XXXX XXXX XXXX, VA XXXX Re : Cease and Desist FDCPA Violation Notice ( 15 U.S.C. 1692c ) Account/Reference No. : XXXX To Whom It May Concern, I am writing regarding the above-referenced account, which you allege is associated with me. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this alleged debt. 
This includes, but is not limited to, telephone calls, text messages, emails, written correspondence, or any other form of contact. The only permissible communication you may send me is either : 1. To confirm that you will comply with this cease and desist request, or 2. To notify me of any specific remedies that may lawfully be pursued. 
Please also note that continued reporting of inaccurate or unverified information to any credit reporting agency after receipt of this notice may constitute additional violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

I request that you update your records immediately to reflect this cease and desist demand. Failure to comply will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year>, I linked my fianc chime account to my USAA account. I called USAA to ask if linking the account is OK and if I should add him to the account. The rep stated " no ''. Once the account was linked, I initiated a partial payment wire transfer to the contractor. I sent the transfer in the company 's name. However, the account was in the owner 's name dba XXXX XXXX XXXX XXXX  XXXX and their bank rejected the transfer. At that time the contractor called me and inform me of what was going on. I reached out to USAA to let them know I need to change the name on the wire. I was told I would have to resend another wire, I did. Later, I was called by the fraud department stating they canceled the wire. I was at rehearsal for my gala so I really didn't think it was a big issue. 

After several conversations with reps from USAA, I was informed the account would be closed. I told them I am okay with that and when will the funds be released ( I tried to get them to release the funds soon er than 60 days because those were not my funds. Once I was told I would have to wait the 60 days I was like OK it is what it is I'll wait. Fast forward to XX/XX/XXXX, I called to verify that the account will be closed and a check would be mailed out the next day. When I called the next day, I was told the account won't be closed because XXXX XXXX sent them a letter XX/XX/XXXX and they couldn't tell me what the letter stated. I called the next day and was told the letter from XXXX XXXX  inquired about one of the $ XXXX transfer. The next rep I spoke with about a day or 2 later stated the letter from XXXX was about both $ XXXX transfers and not to closed my account or return the funds until they're finished with their investigation. My fianc and I both spoke with XXXX XXXX with XXXX XXXX on several occasions and she was adamant that XXXX did not send USAA a letter and everything on their end legitimate and they were not requesting funds to be returned. I called USAA again and was told the same story about XXXX XXXX. I have now been on the phone with USAA for almost 2 hours. I have spoken with about 6 reps because I kept being transferred to the wrong department. I finally speak with XXXX in the fraud dept, he stated his dept don't have information about the letter. XXXX stated the " service '' dept can tell me more about the letter. So, I was transferred to the Service dept where I spoke with XXXX, he stated " they do not deal with that and that is handled by the fraud dept. Now, speaking with XXXX in member security which is supposed to be the fraud department. Still issue not resolved after talking and being on hold for over 2 hours.

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 2025-09-09 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: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: IN

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 2025-09-09 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: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
Trident Asset Management Summary of Complaint : I am filing this complaint against Trident Asset Management for unlawful debt collection practices and re-aging of a previously charged-off account. 

Background of the Account : The alleged debt originates with XXXX XXXX  XXXX XXXX credit card, opened in XXXX and charged-off in XXXX with a balance of {$620.00}. 

The charged-off amount was already reported as income to the IRS and appears on my IRS tax transcripts, meaning the creditor claimed it as a tax loss. 

This account is also included in my FTC Identity Theft Report ( Report XXXX. XXXX ), as I dispute Tridents authority to collect without proper authorization. 

Despite this, Trident Asset Management has duplicated and re-aged the debt under their name, now appearing as an active open account on my credit report dated XX/XX/XXXX, which is misleading and unlawful. 

Violations and Failures by Trident Asset Management : 1. Failure to Validate Debt : Under the FDCPA ( 15 U.S.C. 1692g ), I requested full validation of the debt, but Trident has never provided : The wet-ink signature contract or original application. 

A full chain of title showing ownership transfers. 

Proof of the purchase price paid for the debt. 

A complete ledger of the account from origination through charge-off. 

2. Re-aging and False Reporting : By re-aging the debt and reporting it as an open account with a new status date, Trident has violated : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) prohibition on furnishing inaccurate information.

FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) & ( 5 ) ) prohibition on re-aging debts beyond the 7-year reporting period.

FTC and CFPB guidance on re-aging and duplicating charged-off accounts.

3. Deceptive and Misleading Practices : Tridents collection attempts are false, deceptive, and misleading, violating FDCPA ( 15 U.S.C. 1692e ).

Reporting a debt already treated as income on IRS tax records and attempting to collect it again is a form of double recovery, which is unlawful.

4. California Consumer Protection Violations : California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ) prohibits deceptive collection practices. 

California Identity Theft Remedies ( Cal. Civ. Code 1798.93 ) requires deletion of fraudulent or unauthorized accounts when supported by an FTC Report. 

California Penal Code 530.5 prohibits unauthorized use of personal identifying information ( identity theft ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for unlawful debt collection practices and re-aging of a previously charged-off account. 

Background of the Account : The alleged debt originates with XXXX XXXX  XXXX Indigo credit card, opened in XXXX and charged-off in XXXX with a balance of {$620.00}. 

The charged-off amount was already reported as income to the IRS and appears on my IRS tax transcripts, meaning the creditor claimed it as a tax loss. 

This account is also included in my FTC Identity Theft Report ( Report No. XXXX ), as I dispute Tridents authority to collect without proper authorization. 

Despite this, XXXX XXXX XXXX has duplicated and re-aged the debt under their name, now appearing as an active open account on my credit report dated XX/XX/XXXX, which is misleading and unlawful. 

Violations and Failures by XXXX XXXX XXXX : 1. Failure to Validate Debt : Under the FDCPA ( 15 U.S.C. 1692g ), I requested full validation of the debt, but XXXX has never provided : The wet-ink signature contract or original application. 

A full chain of title showing ownership transfers. 

Proof of the purchase price paid for the debt. 

A complete ledger of the account from origination through charge-off. 

2. Re-aging and False Reporting : By re-aging the debt and reporting it as an open account with a new status date, XXXX has violated : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) prohibition on furnishing inaccurate information. FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) & ( 5 ) ) prohibition on re-aging debts beyond the 7-year reporting
period. 

FTC and CFPB guidance on re-aging and duplicating charged-off accounts. 

3. Deceptive and Misleading Practices : XXXX  collection attempts are false, deceptive, and misleading, violating FDCPA ( 15 U.S.C. 1692e ). 

Reporting a debt already treated as income on IRS tax records and attempting to collect it again is a form of double recovery, which is unlawful. 

4. California Consumer Protection Violations : California Rosenthal Fair Debt Collection Practices Act ( Cal. Civ. Code 1788 et seq. ) prohibits deceptive collection practices. 

California Identity Theft Remedies ( Cal. Civ. Code 1798.93 ) requires deletion of fraudulent or unauthorized accounts when supported by an FTC Report. 

California Penal Code 530.5 prohibits unauthorized use of personal identifying information ( identity theft ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
THERE WAS A FRAUDULENT SECURITY ON MY CREDIT ACCOUNT, AND I DID NOT GIVE ANYONE PERMISSION TO REPORT ANYTHING ON MY CREDIT REPORT. EVERYTHING IS INACCURATE, AND HAS LOWERED MY SCORE TO THE POINT TO WHERE I DO NOT QUALIFY TO USE MY HOME LOAN AS A MILITARY VETERAN 100 % XXXX. PLEASE REMOVE ALL OF THE ITEMS REQUESTED COMPLETELY OFF OF MY CREDIT REPORT, AND SEND VERIFICATION VIA EMAIL : XXXX to CONFIRM THE REMOVAL OF ALL ITEMS LISTED IN MY LETTERS, PLEASE AND THANK YOU, XXXX BLESS!!!

Company response to consumer: Closed with non-monetary relief