vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
As of the date of this complaint submission, I have exhausted all reasonable and lawful administrative remedies with USAA Federal Savings Bank concerning their mishandling of a XXXX and failure to discharge a financial obligation related to a XXXXXXXX XXXX XXXXXXXX, VIN : XXXX. 
On XX/XX/XXXX, I mailed via Certified Mail a FINAL NOTICE OF COMMERCIAL DISHONOR & DEMAND FOR DISCHARGE. This followed a full administrative process beginning in XX/XX/XXXX which included a Debt Validation Letter, Right of Rescission, Notice of Default, and Opportunity to Cure. Each of these notices was sent via Certified Mail with return receipts. 
USAA has failed to respond or act in good faith at every stage. As a result, I have perfected a secured lien by filing a UCC-1 Financing Statement and a UCC-3 Amendment . I have also submitted an Affidavit of Obligation and assigned the secured interest to a private trust. The total value of the perfected claim is {>= $1,000,000}. 
I am now formally requesting the CFPB to investigate USAA 's inaction and demand a lawful discharge or written rebuttal of the obligation within the timeframe allowed. This complaint includes all relevant documents including notices, affidavits, certified mail receipts, UCC filings, and evidence summary. 
My goal is lawful discharge of obligation and resolution of this matter with full transparency under commercial and consumer protection 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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: AMERIS BANCORP
State: GA

Complaint narrative:
This is a follow-up to CFPB case # XXXX I am disputing the companys response with new information and a formal rebuttal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I've had several credit cards I called and closed because they weren't my cards, but my information was used. I see them on my credit report and want them removed from my XXXX  report. 

They are accounts with COMENITY CAPITAL/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: MN

Complaint narrative:
Equifax continues to report inaccurate information on my credit report. The company has reported my student loans as being in good standing until XX/XX/year>, but I am now 120 days delinquent on all 27 of my student loans. I disagree with their current reporting, and I am hoping for a full investigation on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Santander says I owe {$11000.00} on a vehicle I put {$5000.00} down on. The car was only {$17000.00}. I have been making payments since XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-06 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-06 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: NJ

Complaint narrative:
Hi, my name is XXXX XXXX XX/XX/XXXX last four of SSN is XXXX. I recently got my credit checked & had saw I have an inquiry regarding a XXXXXXXX XXXX XXXX  I tried to resolve this a while ago & thought it was fixed. It is still on my TransUnion credit report. I have no acknowledgement of this account being open & would like it taken off my report. it does not belong to me. XXXX  already has taken it off due to it being open fraudulently & not by 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-06 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: NY

Complaint narrative:
I am submitting this request to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following inquiries on my credit report is the result of identity theft and should be deleted : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-06-06 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-06 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: IA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I sent a letter to XXXX who contacted me through their debt collector IC Systems that day about collecting an alleged debt that requested information and demanded communication cease except for sending any debt validation information through physical mail. Earlier that day, the caller IC Systems told me XXXX XXXX XXXX had asked them to call me and they were calling on their behalf, however, it was during work and I explained I was at work and had a meeting ; my employer prohibits me from having non-work calls at work. The caller threatened to label me as refusing for ending a call because I had to work. This is both threatening and harassment prohibited by under 15 U.S.C. 1692e. In my letter, I requested : Until full validation is provided, cease all contact attempts ( including calls, texts, or letters ) except to mail debt verification by mail to my address identified above.

I expect written validation of this debt within 30 days. If you can not provide proof, close this matter immediately and correct any credit reporting. Thank you for your attention to this important matter. 

On XX/XX/year> at XXXXXXXX XXXX I was contacted by IC systems again, despite the letter that XXXX had received the day before by phone during work hours again. This further demonstrates prohibited harassment and violated 805. Communication in connection with debt collection of the Fair Debt Collection Practices Act at 15 USC 1692d.

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 2025-06-06 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : XXXXActual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. XXXX confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under XXXX XXXX XXXX XXXX ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have XXXX  days from the date of this letter to provide the following : XXXX verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
XXXX detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
XXXX names, contact information, and job titles of the individuals who handled my dispute. 
XXXX statement confirming removal of any information that can not be fully verified as per XXXX XXXX XXXX XXXX ( a ) ( XXXX ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under XXXX XXXX XXXX XXXX, which entitles me to statutory damages, XXXX XXXX, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. XXXX confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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