vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than 30 days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA 623 ( a ) b ).
605 ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear?

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Creditor : XXXX XXXX XXXX Account # : XXXX Account Type : Deposit Account Date Opened : XX/XX/XXXXXXXX  Status : Charged off {$160.00} written off Status Updated : XX/XX/XXXXXXXX  Balance Reported : {$160.00} Last Payment Date : XX/XX/XXXX Date Closed : Not clearly stated Summary of Violations : This complaint is being submitted because XXXX XXXX XXXX is reporting a charged-off deposit account with a balance of {$160.00} without providing any proof of liability, proper validation, or legal documentation. I previously disputed this information and received no response, no reinvestigation, and no verification. The account is still being reported inaccurately, violating multiple consumer protection laws. 

Violations : 1. FCRA 609 ( a ) ( 1 ) Failure to validate the account XXXX has not provided a contract, billing statement, or transaction history to support this charge-off. Under FCRA 609 ( a ) ( 1 ), I am entitled to see all documentation that justifies the existence and status of this account. 

2. FCRA 611 ( a ) No reasonable reinvestigation conducted This account was disputed and came back verified without any supporting documentation or explanation. That is a violation of the requirement to conduct a fair and reasonable reinvestigation. 

3. FCRA 1681s-2 ( b ) Furnishing inaccurate and unverifiable data The account is listed as charged off but still reflects a current balance of {$160.00}, creating a conflict. A true charge-off should reflect {$0.00} due to creditor write-off, or a properly updated settlement status. This contradiction is misleading and materially inaccurate.

4. Metro 2 Guidelines Violation Improper charge-off status coding Charge-offs must follow very specific coding practices, especially for deposit accounts. XXXX failure to mark the correct closure date and lack of clear terms or payment history suggests noncompliance with Metro 2 formatting. 

5. Lack of Consumer Statement or Dispute Marking Despite my dispute, no notation was added showing that the account is currently under dispute. That is required under FCRA 611 and Metro 2 compliance standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : XXXX XXXX  Request for Account # XXXX Dear XXXX XXXX XXXX Credit Reporting Department, I hope this message finds you well. I am writing regarding a secured account I previously held with XXXX XXXXXXXX XXXX, account number XXXX, opened on XX/XX/XXXX and closed at my request on XX/XX/XXXX. 

First, I want to express my sincere appreciation for the opportunity to work with your institution. My experience with XXXX XXXXXXXX XXXX  was a positive one, and I am grateful for the role it played in helping me build my financial profile. 

While reviewing my credit report, I noticed that a XXXX late payment was reported for XX/XX/XXXX. I take full responsibility for this and believe it XXXX have been due to an oversight during a transitional time. This was not reflective of my usual payment behavior, as all other payments were made on time and the account was ultimately paid in full and closed in good standing. 

I respectfully request that you consider making a goodwill adjustment and remove the XXXX late payment from my credit reports with Experian, Equifax, and TransUnion. I understand this is not an obligation on your part, but I hope you will consider this in light of my otherwise perfect payment history with your institution and the current paid-in-full status of the account. 

This single late mark is having a substantial impact on my credit profile, and its removal would be a great help as I continue working to improve my financial standing. 

Thank you for your time and consideration. I truly appreciate your support and understanding. 

Sincerely, XXXX XXXX SSN Last 4 Digits : XXXX Date of Birth : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : XXXX XXXX  Request for Account # XXXX Dear XXXX XXXX XXXX Credit Reporting Department, I hope this message finds you well. I am writing regarding a secured account I previously held with XXXX XXXXXXXX XXXX, account number XXXX, opened on XX/XX/XXXX and closed at my request on XX/XX/XXXX. 

First, I want to express my sincere appreciation for the opportunity to work with your institution. My experience with XXXX XXXXXXXX XXXX  was a positive one, and I am grateful for the role it played in helping me build my financial profile. 

While reviewing my credit report, I noticed that a XXXX late payment was reported for XX/XX/XXXX. I take full responsibility for this and believe it XXXX have been due to an oversight during a transitional time. This was not reflective of my usual payment behavior, as all other payments were made on time and the account was ultimately paid in full and closed in good standing. 

I respectfully request that you consider making a goodwill adjustment and remove the XXXX late payment from my credit reports with Experian, Equifax, and TransUnion. I understand this is not an obligation on your part, but I hope you will consider this in light of my otherwise perfect payment history with your institution and the current paid-in-full status of the account. 

This single late mark is having a substantial impact on my credit profile, and its removal would be a great help as I continue working to improve my financial standing. 

Thank you for your time and consideration. I truly appreciate your support and understanding. 

Sincerely, XXXX XXXX SSN Last 4 Digits : XXXX Date of Birth : 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 non-monetary relief
Consumer complaint received 2025-07-01 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: MS

Complaint narrative:
I have recently receive a copy of my credit report and noticed several inaccuracies and unauthorized accounts and information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days 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 2025-07-01 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days 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 explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$170.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$14000.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$2900.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: RI

Complaint narrative:
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!

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 2025-07-01 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: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX account that was opened fraudulently. 

XXXX XXXXXXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I have recently been dealing with what I thought was fraud since coming to XXXX XXXX for the past few weeks and today I just learned that USAA has locked my accounts ( again ) and they are closing my accounts and plan to hold my money in my accounts for 60 days before sending me a check. I have no other money and had no warning of this at all so Ill probably be homeless before this is done. I only tagged things like duplicate charges as fraud and only in the past XXXX months or so since coming to XXXX and having to deal with fraud for the first time in my life. I need access to my 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-07-01 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX : [ AFFIRM inc ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
XX/XX/year> : - I received a message on XXXX from someone named XXXX, saying she wanted to use me as a reference for her artwork and that I would be compensated. She said someone named XXXX would reach out to me. 

XX/XX/year> : - XXXX contacted me through email and said he would send me a {$1000.00} check so I could forward the money to XXXX. 
- The check was deposited into my PNC account and showed as cleared the next day. 

Shortly after : - XXXX pressured me to send the money to XXXX via XXXX XXXX. I said no, and he became aggressive. Thats when I started to suspect a scam. I told him I no longer wanted to participate. 
- Also start receiving other threatening emails to my number, one told me I needed to send the money or the XXXX XXXX would get hurt. In this message there is explicit pictures shown. 

XX/XX/year> : To avoid being accused of theft, I returned the full {$1000.00}, sending {$500.00} via XXXX to each of the XXXX people XXXX instructed me to send it to. 

XX/XX/year> : - PNC notified me that the check was fraudulent and bounced due to insufficient funds. - They withdrew the {$1000.00} from my account. 
- I immediately filed XXXX disputes with PNC for the XXXX transfers. Both were denied because I had authorized the payments. 

XX/XX/year> : - I filed a police report. 
- The police confirmed I was the victim of a scam and told me to continue disputing with my bank. 
- I filed another dispute with PNC, this time attaching the police report. 

After that : PNC continued to deny my dispute, saying they couldnt help because the payments were authorized through XXXX. Ive tried everything and now Im filing with the CFPB because I truly was a victim.

Company response to consumer: Closed with explanation