vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
Someone applied for a loan in my name without my knowledge. The loan was deposited into my bank account and withdrawn before I was aware of the fraud. My bank removed the transactions from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Source : XXXX XXXX XXXXXXXX XXXX : XXXX / XXXX Reported Amount : {$150.00} Closure Date : XX/XX/XXXX Status : Account Abuse UNPAID Reported Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhis account does not belong to me, was never opened or authorized by me, and is the direct result of identity theft. I have never lived at the reported address, never opened this account, and never caused any loss to XXXX  XXXX XXXX. This item was also not on any of my reports until XXXX, which further supports that it was fraudulently created and inaccurately reported.FCRA 605B Identity Theft Blocking Requirement Under the Fair Credit Reporting Act, 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency must block any information that is the result of identity theft within XXXX ( XXXX ) business days of receiving notice.

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 2025-11-20 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-21 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: CA

Complaint narrative:
A require a hard inquiries to be erased from off the TransUnion report. A complaint was already made by me to them. They want a letter from to send to TransUnion. The XXXX hard inquiries are on the credit report that need to be remove that were not belong to me, and they're a closed. 
XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am a military spouse and I have a credit card with usaa bank. My wife which is the military service member on XXXX XXXX is also on the credit card account. I have tried renewing my military SCRA but they have denied my request multiple times stating that because I live in North Carolina the card doesnt qualify for SCRA XXXX No where does it state that the benefits are certain states. I previously received the benefits in previous years but now there seems to be a problem.

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 2025-11-20 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/XXXXXXXX - Balance {$420.00} - Payment Status Charge-off XX/XX/XXXX - Balance {$910.00} - Collection Account XXXX XXXX Co XXXX Balance {$420.00} - Collection Account PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX - XXXX days past due - XXXX late payments

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: IL

Complaint narrative:
I just checked my credit report, and this account 1ST DIGITAL/SYNOVUS/VT with the number XXXX is showing the wrong rating of XXXX. You said it was opened on XXXX and had a last activity date of XXXX, but I know thats not true. Please delete this account from my report! 
You also said you last verified it on XXXX. According to 15 U.S.C.

1681s-2, I have a right to see the info you used to verify this. Can you sendthat over? And Id like to see proof that I owe {$0.00}, because I dont owe it. 
Just so you know, XXXX v. XXXX XXXX XXXX, 29 F.3d 280 ( 7th Cir. 1994 ) says if you cant verify something, it has to be removed. I look forward to you fixing this! 
As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am requesting full validation of this debt, including, but not limited to : A copy of the original signed credit card agreement bearing my signature ; A complete itemized accounting of all charges, payments, interest, and fees claimed ; Proof that your agency is legally authorized to collect this specific debt ; and Verification from the original creditor confirming that this alleged account has not been paid, settled, or otherwise discharged. 

Until you provide the above documentation, you are in violation of the FDCPA if you continue any form of collection activity including calls, letters, or credit reporting. You are also in violation of the FCRA if you continue to furnish or verify this unvalidated information to any credit reporting agency. 

You are hereby placed on notice to immediately cease and desist from all collection activities and communications unless and until you provide proper, complete validation as required by law. 

If you are unable to provide full validation within XXXX ( XXXX ) calendar days from receipt of this letter, you are required to : Delete all references to this account from Experian, Equifax, and TransUnion ; and Cease all contact with me regarding this matter, as continued collection efforts without validation constitute willful noncompliance under 15 U.S.C. 1681n and 1692k.

If you fail to comply, I will pursue all legal remedies available, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I will also consider a civil action for violations of the FDCPA and FCRA, including statutory damages, actual damages, attorneys fees, and punitive damages as permitted by law. 




1ST DIGITAL/SYNOVUS/VT XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-21 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has been blatantly ignored these inquiries persist. This inaction is completely unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause severe emotional and financial harm.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-20 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I am filing a complaint regarding numerous accounts reporting inaccurate, inconsistent, or questionable information on my consumer reports, particularly relating to balances and dates of last activity that do not align with my records or any verified documentation. The accounts include XXXX ( XXXXXX/XX/XXXX) reporting a balance of {$1000.00} with a date of last activity of XX/XX/year>, and XX/XX/XXXX ( XXXXXX/XX/XXXX) reporting a balance of {$1000.00} with a date of last activity of XX/XX/year>, both of which reflect dates that appear incorrect or artificially extended. Additionally, multiple XXXX XXXX student loan accountsnumbered as follows : XXXXXX/XX/XXXXwith a balance of {$3700.00} ; XXXXXX/XX/XXXX with balances of {$3000.00}, {$1600.00}, {$410.00}, {$1900.00}, {$1600.00}, {$3700.00}, {$3800.00}, {$2900.00}, {$1600.00}, {$3700.00}, and XX/XX/XXXXXXXXall show the identical date of last activity recorded as XX/XX/year>, which is not consistent with my records, actual payments, or communications with the servicer. The uniformity and inaccuracy of these dates raise concerns about improper furnishing, possible re-aging, and failure to comply with FCRA reporting standards. I dispute the accuracy of the balances and dates for each of these accounts and assert that the reporting agencies and furnishers have failed to provide accurate, complete, and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXXXXXX XXXX for violating the Expedited Funds Availability Act and Regulation CC ( XXXX XXXX XXXX ( h ) ) by placing an indefinite hold on a {$1900.00} check deposit and refusing to provide a release date after XXXX full months. 
Details of the deposit Deposit date : XX/XX/year> Deposit method : XXXX XXXX ( third-party check endorsed over to me ) Amount : {$1900.00} The check cleared the paying bank immediately ; XXXX has had the funds since late XX/XX/year>. 
XXXX of events XX/XX/year> XXXX deposit accepted by XXXX. 
XXXX requested additional verification paperwork because it was a third-party check. 
XX/XX/year> I submitted all requested documents. 
XX/XX/year> I called XXXX ; the representative confirmed all documents were received and told me the funds would be released shortly. 
XX/XX/year> I called again because the money was still not available. A different representative informed me that the first agent never sent the paperwork to the correct department, that the hold remains indefinite, and that I must start the entire verification process over. 
XXXX now demands that new forms be mailed to my son ( the original payee ), who is an active-duty member of the United States XXXX XXXX XXXX XXXX overseas in a combat/dangerous area. It is unreasonable and potentially unsafe to require a XXXX service member to receive, sign, and mail paperwork from a XXXX XXXX. 
Legal violation Even when a bank invokes the reasonable cause to doubt collectibility exception under XXXX XXXX XXXX ( h ), the hold must be for a reasonable period of time. Federal Reserve guidance and court decisions have repeatedly stated that holds of 3090 days are the outer limit of what is considered reasonable for high-risk items. XXXX months ( XXXX days as of today ) with no end date far exceeds any reasonable period, especially after XXXX has already received and confirmed all requested documentation. 
XXXX has possessed the funds for XXXX months, the paying bank has already honored the check, and the bank has now admitted its own internal error caused further delayyet it still refuses to release my money. 
I have records of all calls, reference numbers, and submitted documents available upon request. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-21 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: LA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief