vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
Called transunion to let them know that I noticed unauthorized inquiries on my credit report XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  Inquiry : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX  Inquiry : XX/XX/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 2025-08-12 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: LEXISNEXIS
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I was affected by a data breach involving LexisNexis. As a result of this breach, my personal information was exposed to the public rather than remaining private, which has caused me serious concern regarding the security of my data.

In light of this incident, I wish to exercise my rights under Credit Law 16 1681C-2 and request that an investigation into this matter be conducted. Please review my case and take the necessary steps to address and resolve this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Brett M. Borland, P.C.
State: FL

Complaint narrative:
I sent this letter on XX/XX/XXXX registered mail, they received it on XX/XX/XXXX. They never responded and continued to report negative on my credit report. XX/XX/XXXX - I just received another letter dated XX/XX/XXXX which did not have any of the requested information I requested over a year ago. They are in violation of Fair Debt Collection Practices Act ( FDCPA ). 

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Building XXXX, XXXX XXXX XXXX, GA XXXX RE : File Number XXXX To Whom It XXXX Concern : I am writing this letter in response to the letter received from you on XX/XX/XXXX. 
In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed, and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt.

2. The agreement bearing my signature states that I have agreed to assume the debt.

3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file.

Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
1. Received letter of denial for life insurance for a XXXX  child ( XXXX XXXX ) from USAA XXXX XXXX XXXX ( USAA ) on XX/XX/scrub> 2025. 
2. Sent the " attached '' letter ( request for information ) to USAA on XX/XX/year>2025 and again ( second notice ) on XX/XX/year>2025 ; within the 90 request window : NO RESPONSE TO EITHER REQUEST.

3. Uploaded a third request via the XXXX XXXX upload portal '' XX/XX/scrub> 2025 : NO RESPONSE. 
4. Called USAA XX/XX/scrub> 2025. The representative stated that, " Now that I called, the letter can be processed. '' I stated that USAA was in violation of the law by " Not giving notice within 30 days ''. She stated that the documents were sitting dormant until the requestor calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g to request the correction and removal of inaccurate personal information from my credit file. 

Upon reviewing my Experian credit report, I found the following errors : Inaccurate Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX These addresses are inaccurate and do not belong to me. Please remove them from my credit file and provide me with a corrected report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with a trade-in
Company: Carvana Group, LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, I traded in my XXXX XXXX XXXX at XXXX XXXX XXXX. As part of that transaction, XXXX XXXX XXXX paid off my Carvana lease in full. Despite this, Carvana continues to report the account as an open loan.

This false reporting has caused harm to my creditworthiness, including a lower credit score and negative impact on my ability to obtain favorable financing terms. I have documentation from XXXX XXXX XXXX showing the payoff and proof that the vehicle was traded in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: GA

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 : ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>2025, Balance : {$320.00} 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 XXXX 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
Consumer complaint received 2025-08-12 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: GA

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/XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00}

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 2025-08-12 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: AL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX 2018 ).

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went into a Truist branch on XX/XX/XXXX because the online system instructed me to bring in identification. The account was opened but the banker XXXX XXXX put in the wrong username when she set up online banking. When I got home it would not accept my login because she hadnt input it correctly. Truist flagged it as fraud and closed the account. Today XX/XX/XXXX I went into another Truist branch and opened a new account. This time XXXX XXXX called the XXXX number ( fraud ) and was told I was fine to open an account. She opened it and set everything up correctly, we tested out my username and password and it worked. I deposited {$50.00} after we verified my login worked. Once I left the branch within 20 minutes the mobile app is now saying the account is locked. I went back into the branch and found out the account is already closed without an investigation being done just like they did in XXXX! And XXXX said they put a note on the account saying account closed due to confirmed fraud. The fraud department is lying! XXXX knows its not fraud because she verified my drivers license and w-2 in person when I opened the account! XXXX XXXX another banker, called the fraud department to have the letter they sent me stating I could use the previous account and blocks were removed sent to the fraud department. Even though they had already closed that account before they said it was good to go. Resulting in me having to open a new account. Look at the dates on the letters Ive attached. They declined and wouldnt allow him to email it. He did scan it to himself and asked the fraud rep, if they could notate on the account that theyve already sent me a letter removing the block. And for the investigator to remove the alert permanently so it wont keep coming up since it was NEVER fraud. He is not able to add those notes from in branch. It makes NO SENSE to close the account without investigation! I called multiple times before I went in the branch. Prior to today, I called all their XXXX numbers and was told by the online banking, fraud and telephone banking departments that I could open an account there are no restrictions on my information. Thats the only reason I went in today. They wasted my time and energy! Id like the false information their system has to be removed by a human being! See attached documents.

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 2025-08-12 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: MN

Complaint narrative:
I did not apply for credit with these companies, nor did I authorize them to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my consent may pull a hard inquiry on my credit file. 

I request that these inquiries be removed from my credit report immediately. Attached are the following documents to support my claim : A copy of my government-issued ID A copy of a recent utility bill or bank statement to verify my address A copy of my credit report highlighting the fraudulent inquiries If these inquiries are not removed, please provide me with documentation showing proof that I authorized each of these inquiries. 

Additionally, I am placing a fraud alert on my credit file and have reported this matter to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 

Please investigate this matter and correct my credit report as soon as possible. I expect a written response within 30 days, as required under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
Balance {$0.00} Credit limit {$5000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/year> Account type Revolving I have written several letters to the vendor and credit bureau asking them to remove the late payment. The account was paid off before time. I was never late paying the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Complaint Summary : I am filing this complaint because XXXX XXXX and XXXX are reporting the same alleged debt in multiple, conflicting ways across the credit bureaus. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate and misleading reporting has directly harmed my credit score and prohibited me from obtaining new credit. 

Violations & Legal Grounds : 1. Duplicate and Conflicting Reporting FCRA 607 ( b ) The same obligation is reported as both a XXXX account and an XXXX XXXX  collection account. 
The original account shows Pays/Paid as Agreed with a {$0.00} balance on two tradelines, yet XXXX XXXX reports it as an open collection with a {$590.00} balance. 
This is factually impossible and violates the FCRAs requirement for maximum possible accuracy. 
XXXX. Inflated Balance FCRA 607 ( b ) & FDCPA 807 ( 2 ) ( A ) The original XXXX credit limit was {$300.00} ( per XXXX XXXX records ). XXXX XXXX is reporting a {$590.00} balance, which is an overstatement of the amount owed. 
The FDCPA prohibits misrepresenting the amount, character, or legal status of a debt. 
XXXX. Unverifiable Information FCRA 611 ( a ) & 623 ( b ) Each bureau has different balances, status dates, and account statuses for the same obligation.

Because the data is inconsistent, the account can not be verified under the FCRAs reinvestigation requirements.

4. Failure to Report Dispute FCRA 623 ( a ) ( 3 ) I have disputed this account with all three bureaus, but only one bureau reflects the dispute notation.

Furnishers are legally required to report a debt as disputed to all bureaus once they have notice.

5. Continuing Harm FCRA 616 & 617 These inaccurate entries have been damaging my credit profile, lowering my scores, and blocking me from obtaining credit opportunities. 
This constitutes willful and negligent noncompliance with the FCRA, subject to statutory damages, actual damages, and attorneys fees. 

Harm Caused : Because of these violations, my creditworthiness has been harmed for years, resulting in denied applications, higher interest rates, and lost financial opportunities.

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 2025-08-12 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:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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