vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
I am the victim of identity theft, and two fraudulent accounts were placed on my credit reports without my knowledge or permission. The accounts are : 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 I never opened these accounts, never authorized anyone to open them, and never received any benefit from them. I discovered these accounts during a routine credit check and immediately filed an FTC Identity Theft Report ( Report # XXXX ). * * These accounts have severely impacted my life. I have been denied credit, experienced higher interest rates, and suffered emotional stress and embarrassment from having fraudulent negative information connected to my name. I have spent significant time gathering evidence, filing reports, contacting furnishers, and trying to correct something I did not create. 

The reporting on these accounts is inaccurate and inconsistent across the credit bureaus. For the XXXX account, the Date of First Delinquency ( DOFD ) is missing, the account statuses conflict between bureaus, the payment history is different on Experian and Equifax, and TransUnion is missing payment history completely. The high balance and date fields do not match between bureaus, and key Metro 2 fields such as ECOA, Compliance Condition Code, and other structural fields are missing or mismatched. 

For the XXXX XXXX XXXX account, the DOFD is missing, the original creditor is not listed, furnisher identification data is missing, and TransUnion lists it as an open collection, which violates Metro 2 standard formatting. This account also appears nowhere in my personal lifeI have never received any letter, phone call, statement, or notice connected to this collection. It is also listed in my FTC identity theft documentation as fraudulent. 

I provided the credit bureaus with a full identity theft packet including my FTC Identity Theft Report, my ID, proof of address, and a written explanation. Despite this, the accounts remain and continue to cause harm. Under the FCRA, I have the right to an accurate report and a reasonable investigation. I believe no reasonable investigation was completed because the information on the accounts still conflicts across all three bureaus, and no supporting documentation with my signature was ever provided. 

These accounts do not belong to me, are the result of identity theft, and are being reported with multiple factual inaccuracies and Metro 2 compliance violations. I am requesting the CFPBs assistance in having these fraudulent accounts deleted from all credit bureaus so my report can be accurate and my financial life can return to normal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
I am the victim of identity theft, and two fraudulent accounts were placed on my credit reports without my knowledge or permission. The accounts are : 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 I never opened these accounts, never authorized anyone to open them, and never received any benefit from them. I discovered these accounts during a routine credit check and immediately filed an FTC Identity Theft Report ( Report # XXXX ). * * These accounts have severely impacted my life. I have been denied credit, experienced higher interest rates, and suffered emotional stress and embarrassment from having fraudulent negative information connected to my name. I have spent significant time gathering evidence, filing reports, contacting furnishers, and trying to correct something I did not create. 

The reporting on these accounts is inaccurate and inconsistent across the credit bureaus. For the XXXX account, the Date of First Delinquency ( DOFD ) is missing, the account statuses conflict between bureaus, the payment history is different on Experian and Equifax, and TransUnion is missing payment history completely. The high balance and date fields do not match between bureaus, and key Metro 2 fields such as ECOA, Compliance Condition Code, and other structural fields are missing or mismatched. 

For the XXXX XXXX XXXX account, the DOFD is missing, the original creditor is not listed, furnisher identification data is missing, and TransUnion lists it as an open collection, which violates Metro 2 standard formatting. This account also appears nowhere in my personal lifeI have never received any letter, phone call, statement, or notice connected to this collection. It is also listed in my FTC identity theft documentation as fraudulent. 

I provided the credit bureaus with a full identity theft packet including my FTC Identity Theft Report, my ID, proof of address, and a written explanation. Despite this, the accounts remain and continue to cause harm. Under the FCRA, I have the right to an accurate report and a reasonable investigation. I believe no reasonable investigation was completed because the information on the accounts still conflicts across all three bureaus, and no supporting documentation with my signature was ever provided. 

These accounts do not belong to me, are the result of identity theft, and are being reported with multiple factual inaccuracies and Metro 2 compliance violations. I am requesting the CFPBs assistance in having these fraudulent accounts deleted from all credit bureaus so my report can be accurate and my financial life can return to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Second text message received after reporting it as junk. I believe this is SPAM, theres an attempt for debt collection to a credit card account I do not own. I am also being threatened with legal action. I have checked my credit report and it does not appear either. I will not click on any link that seems suspicious or interact with them for fear of malware or personal information being stolen. 

Message sent from XXXX XXXX XXXX XXXX XXXX As you know, we have reached out to you previously regarding your THE HOME DEPOT XXXX XXXX CARD account. If we are unable to resolve this, we must return the account to the current creditor for review to see if it meets their criteria for referral to a law firm in your state. There is still time to work with XXXX XXXX, a debt collector. Visit XXXX XXXX XXXX or call XXXX. Reply stop to opt-out

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
Ive requested that all three credit bureaus remove inquiries that are not connected to me having an account. There are anywhere from XXXX to XXXX that are not attached to an open account with my name. XXXX is even reporting from XXXX XXXX and it was closed in 2021. The only other account is XXXX XXXX and its charged off. None of these inquiries were completed on my behalf nor did I request service from those companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
Ive requested that all three credit bureaus remove inquiries that are not connected to me having an account. There are anywhere from XXXX to XXXX that are not attached to an open account with my name. XXXX is even reporting from XXXX XXXX and it was closed in 2021. The only other account is XXXX XXXX and its charged off. None of these inquiries were completed on my behalf nor did I request service from those companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
b'Alguien ha utilizado mi informacin personal y lo ha utilizado para indagaciones en diferentes bancos, esto esta afectando mi crdito exijo a EXPERIAN eliminar estas indagaciones de mi crdito lo antes posible.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX \nXXXX XXXX XXXX  EXPERIAN \n\nXXXX XXXX XXXX  \nXXXX XXXX XXXX  EXPERIAN\n \nXXXX XXXX XXXX XXXX XXXX  DEALER \nXXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX EXPERIAN\n \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN \n\nXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This is a formal complaint against USAA FEDERAL SAVINGS BANK a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

USAA FEDERAL SAVINGS B XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am requesting that the CFPB review the attached document because it contains clear evidence of discrepancies, inaccurate reporting, and conflicting information across the credit bureaus. These errors violate my rights under multiple federal laws. I have already filed an FTC Identity Theft Report, and my official FTC Report Number is : XXXX. 

The attached file shows mismatched dates, balances, statuses, payment histories, and reporting patterns. This violates the FCRA requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

Additionally, the information the furnisher is reporting can not be verified or certified according to 15 U.S.C. 1681i ( a ), and the furnisher is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) by reporting inaccurate information, and 15 U.S.C. 1681s-2 ( a ) ( 3 ) for failing to correct or update the reporting after notice. 

Please review the attached document in full. It contains the specific discrepancies that prove the account information is inaccurate, inconsistent, and not verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good day XXXX, I have been paying my student loan with XXXX since XX/XX/year>. I set up automatic withdrawal for {$61.00} to come out of my checking account. For some reason an additional {$54.00} payment also came out of my checking account for XXXX. When I called I was told it was for another loan. I said well how many student loans do I have? I think he said XXXX, so I just didnt sweat it because I just want these student loans gone. So back to the {$61.00} payment, I checked my reports and saw that theyre reporting late. In the past few months or so, I have called XXXX, XXXX, and XXXX XXXX trying to make sure everything was in good standing. XXXX XXXX  said since Im a student again that I do not have to make payments again until XXXX. I told him no, that I wish to continue making payments now to them since they just took over my account from nelnet. I asked why do I have late payments on my reports when I been paying since XXXX, he said because when they took over I didnt pay. I asked how did XXXX XXXX  notify me that I had these payments? That nelnet no longer takes them out of my account and that I now had to start paying them. Thats when he said you are in student status and dont pay again until XXXX. My whole issue is, if I set up automatic withdrawal to pay XXXX student loan, why would I not set up any other that I had. I mentioned to him thats someone is not doing their job because I should have been notified of the change. He said they sent emails to an old email address, when I checked it, there was not one email from XXXX XXXX. This is really messing up my credit and its not fair when im actually paying. Please help me make this right, Thanks, have a blessed day!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
Good day XXXX, I have been paying my student loan with XXXX since XX/XX/year>. I set up automatic withdrawal for {$61.00} to come out of my checking account. For some reason an additional {$54.00} payment also came out of my checking account for XXXX. When I called I was told it was for another loan. I said well how many student loans do I have? I think he said XXXX, so I just didnt sweat it because I just want these student loans gone. So back to the {$61.00} payment, I checked my reports and saw that theyre reporting late. In the past few months or so, I have called XXXX, XXXX, and XXXX XXXX trying to make sure everything was in good standing. XXXX XXXX  said since Im a student again that I do not have to make payments again until XXXX. I told him no, that I wish to continue making payments now to them since they just took over my account from nelnet. I asked why do I have late payments on my reports when I been paying since XXXX, he said because when they took over I didnt pay. I asked how did XXXX XXXX  notify me that I had these payments? That nelnet no longer takes them out of my account and that I now had to start paying them. Thats when he said you are in student status and dont pay again until XXXX. My whole issue is, if I set up automatic withdrawal to pay XXXX student loan, why would I not set up any other that I had. I mentioned to him thats someone is not doing their job because I should have been notified of the change. He said they sent emails to an old email address, when I checked it, there was not one email from XXXX XXXX. This is really messing up my credit and its not fair when im actually paying. Please help me make this right, Thanks, have a blessed day!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am an active-duty service member and have been a member of Navy Federal for XXXX  years. In XX/XX/year>, I was the victim of a scam in which an individual impersonated Navy Federals fraud department, contacting me under the guise of confirming fraudulent activity on my account. 

The scammer instructed me to send what was in my account ( {$2700.00} ) through XXXX XXXX then that we would need to open another account. I followed their instructions because I believed I was speaking with Navy Federals legitimate fraud prevention team. 

Shortly after, my wife and I became suspicious. She called Navy Federal separately from her phone, and while we were waiting to get on the line with the real Navy Federal representative, the impersonator continued trying to claim they were from the fraud department. We repeatedly asked verifying questions and they ended the call once it became clear we were calling Navy Federal on another line.

During the call with Navy Federals real agent, stating the issue that occurred, we both noticed we suddenly could not see certain account details on our phone. The representative saw the same issue and confirmed that the scammer had gained access to our account settings and changed them. The agent instructed us to take emergency precautions, including changing our password, freezing our debit card, and going to a branch for a replacement card. He also informed us that the account would be credited while the fraud claim went through the required review process. 

I immediately reported the scam and have filed multiple disputes over a XXXX-month period. Each time, Navy Federal denied reimbursement, stating that because I participated in the transfer, they would not classify it as fraud. This response ignores the fact that the transaction was made under false pretenses caused by impersonation of Navy Federal personnel, with the scammer actively misleading us and accessing my account settings. This meets the CFPBs guidance for fraudulent inducement and unauthorized access, not a voluntary transaction. 

Navy Federal has now sent the balance to collections, despite the ongoing dispute and despite my status as an active-duty service member whose family lives solely on my military pay. This has created significant financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Even though the account was settled completely, it still reflects late payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
They are reporting a balance and multiple late payments. I was XXXX  during the time the account was allegedly opened. They have not provided any validation. This violates FCRA 602, 607, and 623. I am requesting the CFPB to compel deletion of this account and all related reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding my dispute submitted on XX/XX/year>, about the XXXX BANK XXXX. The furnisher has already confirmed that it lacks the documentation necessary to verify the account and agreed to remove it. Despite this, Experian continues to report the account and has failed to provide the written reinvestigation results within the required XXXX and XXXX period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ). This constitutes noncompliance with federal law and has caused ongoing harm to my consumer 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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/year> I spoke with a representative of XXXX XXXX XXXX to report the finalization of my divorce. 
This account was originally a joint account with my ex-spouse. The divorce was finalized this year and it states that the respondent is responsible for this debt. I have provided paperwork and also spoke to the merchant on the phone. I was told that regardless of the divorce, I am also still responsible for this debt.

Company response to consumer: Closed with explanation