vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ EQUIFAX ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach.

I am filing this FTC Identity Theft Affidavit to report three fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Installment Account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an Installment Account opened at DEPT OF ED on XX/XX/XXXX under the account number XXXX, and a Collection account opened at XXXX XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I am currently dealing with a very difficult situation as a victim of identity theft. These accounts were created without my permission or awareness. This fraudulent activity is causing me serious XXXX  and interfering with my everyday life. I respectfully request that you block and delete these items from my record as soon as possible. As part of this fraud I found the following inquiries. XXXX XXXX Inquired on XX/XX/XXXX - 2025 - XXXX XXXX Inquired on XX/XX/XXXX XXXX2025 - XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX - 2025 - XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX - 2025 - XXXX XXXX XXXX Inquired on XX/XX/XXXX - 2025 - XXXX XXXX XXXX  Inquired on XX/XX/XXXX - 2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I did not live at this complex at the time of this eviction. I have disputed this charge numerous times and will like to get it removed. I never signed any documents for this charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
The accounts are XXXX XXXX the account was closed in 2022 by choice and when asked to be removed they remained the same, a there is no balance. 

XXXX XXXX XXXX, I Asked for that to be removed because it shouldn't have been on my credit due to it being a car accident and insurance paid off the car and all TransUnion did were update the amount which there shouldn't be one and also they kept it on my report. 

There are 3 accounts from " XXXX XXXX XXXX  '' that I have no knowledge of and when asked to be removed they updated the date on my credit and kept it on there with no information on the accounts to prove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  & XXXX XXXXXXXX XXXX '' I have no knowledge of and transunion refuses to remove it off my credit report. 

And I get phone calls saying the information were sold to these debt collectors but I have no knowledge nor any paperwork from any of these debt collectors listed.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank closed my account suddenly on XX/XX/XXXX, while I was at the bank, mid-transaction. They refused to tell me why abd froze my funds. I called again today, and they told me they are closng my account because I am deemed a " risk to the bank '', and are refusing to allow me to access my available funds, because I have pending charges. However, those pending charges are already being held against the available funds.

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 2025-09-29 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: FL

Complaint narrative:
Requesting you Equifax Block and Remove Fraudulent collection accounts and inquiries from my Consumer Report. I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX  data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( XXXX ) and included with this letter. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report. This statute requires credit reporting agencies to address such requests promptly, within 4 business days of receiving a complaint containing the following information : Collection Account : XXXX XXXX Acct. # XXXX, XXXX XXXX Acct. # XXXX XXXX XXXX  Acct. # XXXX and fraudulent inquiries XXXX XXXX XXXX and XXXX XXXX XXXX. I do not recognize these accounts I demand the fraudulent account to be removed from each of my consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Complaint summary : XXXX XXXX reported a 30-day late payment for XX/XX/2025 on my account ending in XXXX. This is inaccurate because I made my payment on time in XX/XX/2025 from my XXXX account. XXXX XXXX returned the payment internally, even though funds were available and debited. As a result, I was unfairly marked late, charged fees, and forced to make an additional payment the next month. 


Complaint details : On XX/XX/2025, I initiated a mobile ACH payment of {$69.00} from my XXXX account to my XXXX XXXX XXXX XXXX ( ending XXXX ). ( see attached XXXX XXXX  XXXX XXXX statement.XXXX XXXX XXXXXXXX XXXX XXXX  Statement - XXXX XXXX ) On XX/XX/2025, XXXX XXXX marked this as Returned Mobile ACH Payment XXXX. This return was initiated internally by XXXX XXXX, not by me or my bank. 
XXXX confirmed there were no returns on their side. Funds were sent out, but XXXX XXXX did not credit them. ( see attached [ XXXX XXXX XXXX XXXX XXXX  ) Because of this, I had to make another payment of {$93.00} in XXXX to bring the account current. ( see attached XXXX XXXX XXXX card statement.pdf ) XXXX XXXX still reported me as 30 days late, and also charged me a {$29.00} late fee plus {$3.00} in interest. ( see attached XXXX XXXX XXXX card statement.pdf ) This means I was penalized three times : 1. Lost {$69.00} ( payment sent but not credited ).

2. Forced to pay {$93.00} in XXXX to catch up. 
3. Charged {$29.00} late fee + {$3.00} interest unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: DC

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 2025-09-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding the mishandling of a {$130.00} deposit made to my USAA account via XXXX XXXX XXXX, as well as the unacceptable customer service I received during my efforts to resolve the issue. 
To clarify, the {$130.00} has now been returned to my account. However, the way the situation was handled raises serious concerns about USAAs internal processes, communication, and commitment to transparency. 
Details of the Incident : The deposit was processed by XXXX  and sent to my USAA account on XX/XX/year>, via XXXXXXXX XXXX XXXX I paid a {$2.00} fee for instant transfer. 
The funds were visible in my account for two full days, confirming that they were successfully posted. 
Without explanation, the funds disappeared entirely, with no reversal entry, no notification, and no trace in my transaction history. 
After reaching out to customer service, I spoke with two agents XXXX and XXXX who both disconnected the chats abruptly without providing meaningful assistance. 
The information I was given during these chats was inconsistent and misleading, further adding to my frustration and confusion. 
I have screenshots of these chat sessions showing the disconnections and miscommunication. 
Eventually, the funds were returned to my account but the transaction was backdated to XX/XX/XXXX, falsely suggesting the deposit was never missing. 
Why This Is a Problem : The backdating of the deposit hides the fact that the funds were inaccessible for several days and only returned after I initiated a complaint. 
The complete disappearance of a settled deposit without record or notice is a serious issue for any financial institution. 
The handling by your support staff was unprofessional, dismissive, and in clear violation of basic customer service standards. 
The experience caused me financial XXXX, wasted time, and emotional frustration, all due to an issue entirely outside my control. 
My Requests : A written explanation of what happened to the deposit, why it disappeared, and why it was backdated instead of properly re-posted. 
A review of the agents involved and the handling of my chats. 
A goodwill credit or compensation for the XXXX, inconvenience, and time lost due to USAAs mishandling of this deposit.

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 2025-09-29 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: VA

Complaint narrative:
The company on my credit report is opp loans for the amount of {$2000.00} dollars of which I didn't apply nor did I receive the funds now it is showing on my credit report as not paid and late and it doesn't belong to me!!

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX someone was able to gain access to my computer thru a remote access app and set up bill pay with our Wells Fargo account and paid themselves XXXX dollars without my consent or knowledge. We went to the bank the next day and closed that account and filed a complaint. We waited for them to investigate and they refused our claim. We also had a IT person come over to clean up our computer and that's when we found out about the remote access app installed on our computer. we relayed this info to the bank. The bank sent out a letter once again refusing to honor our complaint and also we had made the transaction ourselves or gave permission for someone else to make the transaction.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 non-monetary relief