vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Re : Complaint Against USAA Federal Savings Bank Dear CFPB, I am a XXXX XXXX XXXXXXXX veteran whose XXXX  XXXX compensation is federally protected under 38 U.S.C. 5301. I submit this complaint against USAA Federal Savings Bank ( USAA ) for systemic violations of consumer protection laws and discrimination. 

Background Over several years, USAA has denied me fair access to credit, mortgages, and loans despite long-standing membership and account history. These denials are tied not to my financial behavior, but to fraudulent misclassification of my status as a retired veteran a designation contradicted by my XXXXXXXX XXXX XXXX  XXXX, and a XXXX. XXXX confirmation. 
Instead of protecting me as a consumer, USAA contributed to the cascade of financial harm by : Reporting distorted consumer data.

Facilitating improper denials that forced reliance on payday lenders.

Compounding bankruptcy risk and severe credit suppression.

Violations 1. Fair Credit Reporting Act ( FCRA ) inaccurate reporting of consumer data leading to improper denials.

2. Equal Credit Opportunity Act ( ECOA ) / ADA discriminatory lending denials against a XXXX veteran. 
3. RESPA mortgage lending denials and misclassification interfering with fair housing access.

4. UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) exploiting a known false classification to deny benefits of membership.

Harms Denial of mortgages/loans and resulting loss of fair housing opportunities. 
Forced reliance on payday lenders at predatory rates. 
Home equity loss : $ XXXX. 
Rent burden since displacement : $ XXXX. 
Ongoing credit suppression and financial instability, with baseline damages exceeding $ XXXX. 

Requested Action I request CFPB investigation into USAAs practices, including : 1. Failure to ensure accurate reporting under FCRA.

2. Discriminatory lending denials against veterans with XXXX. 
3. Patterns of misconduct that constitute unfair and abusive practices under Dodd-Frank.

Attachments ( Exhibits ) 1. XXXX award letter ( XXXX XXXX XXXXXXXX rating ). 
XXXX. XXXX ( non-retired status ). 
XXXX. XXXX. XXXX  confirmation of XXXX classification. 
XXXX. XXXX  report showing systemic suppression of credit. 

Sincerely, XXXX 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 2025-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I am filing a complaint against Mr. Cooper ( Nationstar Mortgage ) for the severe hardship I have endured since they took over my mortgage, combined with related financial and reputational damages tied to a false criminal charge in XXXXXXXX XXXX XXXX 
Before this began, I held a XXXX XXXX XXXX and earned a XXXX income. I lost my career and my XXXX  after being falsely accused of XXXX XXXX an allegation that was later dropped but was never corrected publicly. XXXX XXXX spread false information that I was caught with XXXX, which never happened. As a result, I lost multiple jobs, including an opportunity with an XXXX  XXXX  and another with XXXX XXXX. 
Because of the charge, I spent thousands of dollars in bond money, lawyer fees, and court costs that I was never refunded when the case was dismissed. For over XXXX years, I have carried this burden, living through financial instability, going days without food, and trying to keep my home afloat. 
When Mr. Cooper took over my mortgage : The XXXXXXXX XXXX XXXX seized nearly {$12000.00} from my accounts, including money I had saved for my mortgage. This wiped out the inheritance I had received after my employers death and left me unable to cover essential bills. 
Money from my account, including funds for my truck note, was diverted to someone elses car note. 
I have received no assistance, corrections, or refunds from Mr. Cooper despite providing documentation and proof. Instead, I have been left under the constant threat of foreclosure. 
The combined effect has been devastating : I lost my career and professional reputation. 
I lost multiple jobs because of the false charge. 
My XXXX XXXX  was damaged, eliminating my ability to work in my trained field. 
I have suffered extreme financial hardship, loss of savings, misapplied payments, and the ongoing risk of foreclosure despite decades of payments into my home. 
I have documentation, including bank statements, legal receipts, and correspondence, proving these events. I am requesting a full investigation into : Mr. Coopers handling of my mortgage, account funds, and the foreclosure process. 
The misapplication of my truck note payments to another persons account. 
The lack of refunds for legal and bond costs when charges were dismissed. 
The harm caused by XXXX XXXX false reporting, which continues to impact my financial life. 
I am seeking accountability, reimbursement where appropriate, and protection from foreclosure after years of hardship that were not of my making.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
I have contacted all these creditors requesting validation for each account and I have not receieved anything from them. as I explained I am a victim of fraud and have not given anyone permission to use my personal information to open these fraudulent accounts. So I am asking you guys to investigate and remove all the accounts I will list below along with the fraudulent addresses that were used to open these accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX  times on my credit different 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 XXXXXXXX and all of these addresses listed below needs to be removed also as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Please remove all mentioned items listed above per 15 U.S.C 1681 S-2b under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1681 et seq, and 15 U.S.C 1692g

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 2025-09-17 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: CA

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 explanation
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX  - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXXXXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX Previous Address : The following previous addresses are wrong : Incorrect Name - XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX  - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXXXXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
My identification was fraudulently used to open an XXXX XXXX XXXX XXXX  account. The information I gathered from the collections companies that have tried to collect is that someone from the state of XXXX  opened this account in XXXX  and it has a delinquent balance of {$1500.00}. I live in XXXX  and this was not authorized and I have no connection to the person who did this. I contacted the debt collector, Credence Resource Management, but they were unable to assist in the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should 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 2025-09-17 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: OH

Complaint narrative:
I am disputing the late payment entry appearing on my credit report, which is inconsistent with my documented payment history. This false reporting misleads creditors and unjustly diminishes my creditworthiness.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that violate the Fair Credit Reporting Act ( FCRA ), which requires all information to be verified and maintained with maximum possible accuracy. These errors have caused me significant financial harm and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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 XXXX 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 : INQUIRIEXXXX 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 XXXXXX/XX/XXXX 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 2025-09-17 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: AL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681c-2 regarding the XXXX XXXX  account you continue to report. The account was opened XX/XX/XXXX, closed/charged off, with a reported balance of {$2700.00} past due as of XX/XX/XXXX. 
I have disputed this account previously, yet it continues to appear on my file. Under 15 U.S.C.

1681i, I demand that TransUnion conduct a full reinvestigation and provide the method of verification. 
No such verification has ever been produced. 
Additionally, I am a documented victim of the TransUnion data breach, which compromised my personal information and increased the likelihood of fraudulent or inaccurate accounts being reported. 
Legal Violations : - 1681c-2 : Requires blocking of disputed/identity theft-related information unless properly verified.

- 1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously disputed items requires certification of accuracy and written notice to me within XXXX business days. No such notice was received. 
XXXX XXXX XXXX XXXXXXXX : Since TransUnion has previously investigated and failed to validate, you are barred from Continuing to report this item.

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 2025-09-17 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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