vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent
and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: PA

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, Equifax & 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The wholesale reliance on e-OSCARs code-only investigation process is nothing more than perfunctory, automated garbage that flagrantly violates the Fair Credit Reporting Acts requirement for a reasonable, good-faith reinvestigation. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed informationyet youve outsourced that duty to a black-box algorithm that simply shuffles dispute codes instead of examining a single original-source document. This mechanized, checkbox-driven farce falls woefully short of the FCRAs mandate that a reinvestigation be conducted promptly and be commercially reasonable in scope. Your unilateral, code-only approach reduces statutory rights to a meaningless computer routineand it will be exposed as such in any court of competent jurisdiction.

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 2025-09-04 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: IN

Complaint narrative:
This account is being reported under my name without my authorization or knowledge. I have never applied for, opened, or managed this account, and its presence on my credit report is unacceptable. It represents inaccurate and misleading information about my financial history and raises serious concerns. 

I require immediate clarification regarding why this account is being reported and who is responsible for placing it on my credit profile.

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 2025-09-04 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: RI

Complaint narrative:
I want to make it clear that this complaint is not a mistake. My credit report contains significant inaccuracies that must be addressed. These errors are causing ongoing harm to my financial well-being and can not be ignored.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am submitting this formal complaint against USAA Federal Savings Bank XXXX USAA Credit Card Services regarding an account that was fraudulently opened or accessed under my name and is being reported inaccurately to the credit bureaus. 

I disputed this account with USAA, clearly asserting that the account involved identity theft and/or unauthorized use. However, not only was the dispute unresolved, but all correspondence sent to USAAs listed address was returned as undeliverable, despite the fact that this is the same address listed on my credit report for the furnisher. 

This return of mail invalidates the entire dispute verification process, because : The furnisher can not claim it verified the dispute if it never received the dispute at all. 
A furnisher must maintain a correct and accurate address as required under 15 U.S. Code 1681s-2 ( FCRA ).

Reporting an account without proper investigation, especially after being notified of fraud, is a violation of both FCRA and FDCPA. 
The Fair Credit Reporting Act mandates accurate reporting. A fraudulent account is not accurate and therefore must not be reported. 



Grounds for Immediate Deletion : XXXX. Violation of FCRA ( 15 USC 1681s-2 ( b ) ) : USAA failed XXXX properly investigate the dispute after being notified of a fraudulent account. 
XXXX. Undeliverable Dispute Mail : The address used was the same XXXX listed on the credit report, indicating USAA is not maintaining an accurate address or handling disputes in good faith. 
XXXX. Failure to Investigate Fraud Claim : USAA did not contact me, verify my identity, or resolve the matter, in violation of 15 USC 1681i and 1681s-2. 
XXXX. Continuing to Report Inaccurate Data : Despite being informed of fraud, the account remains on my credit profile. 
XXXX. No Signed Agreement or Contract Exists : I have no contractual relationship with USAA for this account.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This complaint is in reference to a Closed Santander auto loan Account who has recently sold the rights to XXXX XXXX XXXX XXXX, with multiple attempts to rectify the situation. proof of report number of disputes from experian.com is XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a data furnisher is required to maintain accurate records and fully verify any information they provide to credit reporting agencies. A simple payment history printout is not sufficient verification I am requesting documented proof, such as : Copies of the original retail installment sales contract or loan agreement. Complete monthly statements showing payments received and applied. Evidence supporting each delinquency they are reporting. If the furnisher can not provide original documentation, then the information being reported is unverifiable and must be deleted from my credit report under the FCRA. I respectfully request that the CFPB direct the furnisher to produce this documentation or remove the account from all credit reporting agencies. Thank you for your attention to this matter. I look forward to a written response confirming that proper verification has been performed or that the unverifiable information has been deleted.

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 2025-09-04 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
CFPB Complaint Draft Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX Company : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Account Information : XXXX XXXX XXXX # : XXXX Account ending in : XXXX Balance per payment agreement : {$360.00} Payment Plan : {$45.00} per month through XX/XX/XXXX Complaint Summary : I am filing this complaint because Jefferson Capital Systems , LLC is furnishing inaccurate and misleading information to the credit reporting agencies despite my having a written payment agreement with them. 

The issues include : - The account is reported with an impossible timeline : 'Date Opened ' of XX/XX/XXXX, but 'Date of First Delinquency ' of XX/XX/XXXX. This makes it appear as though the account was delinquent before it was even opened, which is misleading and suggests unlawful re-aging under the Fair Credit Reporting Act ( FCRA ). 
- The account is reported with a past due balance of {$560.00}, but my payment agreement shows the accurate balance is {$360.00}. 
- I have entered into a payment plan ( Ref # XXXX ), agreeing to pay {$45.00} per month until XX/XX/XXXX. Despite this, the account is being reported as delinquent and inaccurate. 
- The agreement provided by XXXX XXXX also states they will request deletion of the tradeline approximately XXXX  days after final payment, yet their current reporting does not reflect the payment plan or accurate balance. 

XXXX XXXX own website acknowledges that they report the date they acquire an account as the 'Open Date. ' However, in my case this practice creates inaccurate and misleading reporting because the 'Date of First Delinquency ' is earlier than the 'Open Date. ' While they claim this practice does not affect how long the tradeline remains, it still results in an inaccurate presentation of my account history to creditors and the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

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 2025-09-05 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: EQUIFAX, INC.
State: DC

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: VA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 

Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
b'I made a transfer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transfer was made by me to an account that I was not familiar with because I thought I was protecting my account, but in actuality, I was being scammed at the moment. When I realized what happened, I went back to the bank approximately XXXX XXXX  hours later but they told me the money was already taken from the account I transferred to, and there was nothing that I could do because the account was closed. I contacted my bank (Chase) via phone as well and they said there was nothing to do.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have received XXXX notifications that they need more information on my credit card application but I never applied for it.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Identity Theft Request for Investigation and Enforcement Dear Sir or Madam, I am filing this formal complaint with the Consumer Financial Protection Bureau regarding numerous fraudulent accounts and charges that appear on my credit reports as a result of identity theft. Despite notifying the credit reporting agencies ( Equifax, Experian, and TransUnion ) and the furnishers directly, these fraudulent debts remain unresolved. 
The following creditors have reported inaccurate information : XXXX XXXX XXXX  {$120000.00} ( XX/XX/XXXX ) XXXX  {$680.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$1600.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$490.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$1100.00} ( XX/XX/XXXX ) and {$1200.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$2400.00} ( XX/XX/XXXX ) XXXX  XXXX  {$140.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$16000.00} ( XX/XX/XXXX ) XXXX  XXXX XXXX  {$1600.00} ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  {$1100.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$140.00} ( XX/XX/XXXX ) XXXX {$2000.00} ( XX/XX/XXXX ) XXXX  XXXX {$3000.00} ( XX/XX/XXXX ) XXXX  {$68000.00} ( XX/XX/XXXX ) XXXX XXXX  {$490.00} ( XX/XX/XXXX ) XXXX  XXXX  {$1100.00} XXXX XX/XX/XXXX ) XXXX XXXX XXXXXXXX {$230.00} ( XX/XX/XXXX ) I have disputed these fraudulent accounts with Equifax, Experian, and TransUnion in writing, and I enclosed identity theft reports, proof of identity, and my credit reports with the disputed items highlighted. However, the furnishers and bureaus have failed to properly investigate and remove the fraudulent debts as required by the Fair Credit Reporting Act ( FCRA ), including Section 605B. 
I respectfully request that the CFPB investigate this matter and take enforcement action to ensure : The fraudulent accounts are permanently removed from my credit reports. 
The furnishers cease all collection efforts and reporting of these fraudulent debts. 
My consumer rights under the FCRA and related laws are upheld. 
Enclosures : Identity Theft Report Proof of Identity ( Drivers License ) Credit Reports with disputed items marked Copies of my dispute letters to Equifax, Experian, and TransUnion CFPB Notice to Furnishers of Information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXXXXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within XXXX business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

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