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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On Monday, XXXX XXXX, XXXX  I tried to transfer {$3000.00} from my USAA checking account to my XXXX XXXX XXXX XXXX ( XXXX  ) account. USAA system stated that I was " ineligible to transfer funds from this account. I have spoken multiple times during all of last week with USAA staff, including customer service, membership services, Wire Transfer, Fraud, IT. None of them was able to determine the cause of my inability to transfer funds from USAA to XXXX. My last conversation was on XXXX XXXX with XXXX of their wire transfer team. XXXX created an IT incident ticket ( # XXXX ) to help resolve the issue. I have not heard back from USAA since that time. 

I had been told by XXXX and a rep named XXXX that a number of other customers were having the same problem. USAA has transferred me to at five or six people whenever I call them- no one solves the problem but are willing to pass the buck to other departments. No one from USAA has called me or sent me an email on the status of USAA 's dysfunctional banking system. 

Every month I transfer money from USAA to other financial institutions. I have been able to transfer money from my USAA account by initiating the transfer from an XXXX XXXX account that I have. I am unable to transfer money by initiating the transfer from USAA.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, managed, or consented to them. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts has caused significant concern and potential harm.

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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank put a hold on three checking accounts for a judgement against me for {$1300.00}. {$1300.00} was removed from all three accounts without my knowledge. The hold went into effect on XX/XX/year>, and I was not notified until the following day, XX/XX/year>. This appears to possibly be fraud. I have not received information or been contacted by the plaintiff. Although Chase has returned a portion of the {$4000.00} they removed from our accounts, they have been uncommunicative other than the hold letters that arrived AFTER the holds went into effect, and very difficult to deal with in this matter. The possibility that this may be fraud and contacting me the day AFTER the hold is ridiculous.

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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
In XX/XX/year>, I paid the full balance of {$890.00} on a debt originally from XXXX XXXX  ( XXXX XXXX  ), which had been transferred to XXXX XXXX XXXX and handled by Mandarich Law Group . I received a payment confirmation on XX/XX/year>, showing that the payment was submitted successfully, and I had more than sufficient funds in my account. Despite this, the collection company failed to process the funds and instead proceeded to file a lawsuit in XXXX XXXX, XXXX XXXX. XXXX. 

At the court date, the attorney for Mandarich Law Group misled me, stating I did not need to appear before the judge. This prevented me from showing my proof of payment and resulted in a judgment being entered against me on a later date in which I was not notified as I thought the case was resolved since we made payment. The judgment amount was inflated to $ XXXX than both the original purchase price ( {$670.00} ) and the payoff amount I attempted to pay ( {$890.00} ). 

In addition, this same debt is now appearing on my credit report twice : once as a collection account with XXXX XXXX XXXX and again as a judgment. The original creditor ( XXXX XXXX ) is also still reporting the account as XXXX XXXX even though it was sold to XXXX and shows a {$0.00} balance. 

I have attempted to resolve this matter by contacting the collection agency through email, but they have not responded. Their failure to process my payment, misrepresentation in court, inflated balance, and duplicate reporting are causing serious harm to my credit and financial standing. 

I am requesting that the debt be corrected to show a {$0.00} balance, that the judgment and duplicate collection tradelines be removed from my credit report, and that the original creditors account be updated to show Transferred/Sold {$0.00} balance Not derogatory.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) accounts fraudulent in this complaint be DELETED immediately.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my FTC identity theft report ( FTC REPORT NUMBER : [ XXXX ] ) as evidence supporting my identity theft claim. 

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days.

The information on my credit report is the result of identity theft and should be blocked immediately.

I do not recognize the account ( s ) in question. The account ( s ) were not opened, made, or initiated by me. The aforementioned account ( s ) is/are a result of identity theft and fraud.

I have attached a copy of the FTC Identity Theft Criminal Complaint # [ XXXX ] as proof from the US Federal Trade Commission that the aforementioned consumer credit account ( s ) is/are a result of identity theft and fraud. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified Mail.

In addition, I request the immediate removal of the following fraudulent items from my credit report : FRAUDULENT ACCOUNTS TO BE REMOVED : 1. [ XXXX XXXX XXXX ] - [ Account # XXXX ] open date XX/XX/year> Sincerely, 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 2025-09-29 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXXXXXX 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 - Incorrect Personal XXXX has violated my rights.

I looked at my credit bureau EQUIFAX 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 generally, 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
So I purchased visa gift card issued by XXXX. I call and check the balance for whats remaining automated system tells me XXXX. I go to XXXX and my total is {$6.00} its declined. I just called so I dont understand why the availability is off. So Im about to discard another card I believed to be all used up as I called to get the balance in advance. I decided to call to check the balance on it.l before throwing it away. There is XXXX cent left. The gift card company must be holding back part of the funds without telling the consumer. I dont know if its because of expected gratuity or what but its deceitful to not inform consumers 1 ) thats what they are doing and 2 ) when they call to check the balance that there is some pending residual hold. How many people throw away their cards thinking it was used because the system gives them an incorrect balance.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon reviewing my TransUnion credit report, I was extremely distressed to see two charge-offs reported : XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$3200.00} ) and XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1900.00} ). These entries are inaccurate and do not reflect the actual status of my accounts. In both cases, I have documentation and payment histories that contradict the amounts reported and the characterization as charge-offs. It is deeply frustrating to see years of responsible financial behavior overshadowed by inaccurate reporting, especially when these charge-offs are negatively affecting my creditworthiness, increasing the cost of borrowing, and creating unnecessary stress. 

I have previously disputed these items with TransUnion, yet the responses I received were vague confirmations that the accounts were verified as accurate, without providing any account-level documentation from XXXX XXXX XXXX XXXX XXXX to substantiate these reported charge-offs. This superficial verification is unacceptable and fails to meet the bureaus obligations under the law. XXXXransUnions failure to conduct a meaningful reinvestigation demonstrates negligence and a disregard for the accuracy requirements set forth by the Fair Credit Reporting Act.

Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in reporting. Listing these accounts as charge-offs when they are inaccurate violates this mandate and harms my financial standing. Furthermore, under 15 U.S.C. 1681i, I am entitled to a reasonable reinvestigation after disputing an item. A proper reinvestigation would require TransUnion to obtain and review documentation from the original creditors, compare it against my records, and correct any discrepancies. Their failure to perform such diligence constitutes a violation of the FCRA and could be considered willful noncompliance under 15 U.S.C. 1681n.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX and the credit bureaus ( XXXX, Equifax, XXXX, XXXX ) are reporting an auto loan repossession that has not been fully verified. XXXX response only included a partial payment history and contract copy. They failed to provide : Proof of repossession ( date, time, agent, license ) Auction/sale notice and proceeds Deficiency balance calculation 1099-C or cancellation of debt documentation Chain of title/ownership if account was sold Reporting this account without full verification violates 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), 1681i ( reinvestigation duties ), and 1681s-2 ( b ) ( furnishers duty to investigate after dispute ).

I request that this tradeline be deleted from all credit reports or that XXXX be compelled to provide the full verification required by law.

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: Experian Information Solutions Inc.
State: NJ

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 Experian, XXXX  XXXX XXXX  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 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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: Experian Information Solutions Inc.
State: AL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$38.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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