vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IN

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 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I reached out to the bank to provide me with proof of my original signature and all account transactions leading up to an overdraft in the amounts of {$670.00} on XX/XX/year> and overdraft amount of {$1400.00} on XX/XX/year>.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: ND

Complaint narrative:
1000 was took when I tried to check on my money but never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
b'My personal information was exposed in the XXXX  Data Breach and on the dark web.\nPer 15 USC 1681c2 please delete these items within 4 business days: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I had a XXXX XXXX  account with phone number XXXX. I went to a XXXX XXXX XXXX  times at different locations to cancel service. 
Every store said they could not. I called numerous time to cancel and representatives either hung up or put me on hold until the phone connection was silent. 
I am an XXXX XXXXXXXX in XXXX XXXX for this assembly district and I will start a class action lawsuit against this PREDATORY debt collection and nefarious XXXX INCOMPETENCE. 
Thank goodness my lawyer told me to stop paying. I request that CBE Group inc. and XXXX stop harassing me and calling me on a private number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA sent me a letter on XX/XX/2025 that they are closing my account and they restricted it. I am unable to access my money in my account. They stated that they will wait for 60 days to give me my money back. I need my money back now before the holidays. I do not have anything coming in there or going out anymore, so I requested for them to send me my money back now. They refused to do so.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO

Complaint narrative:
My lender ( Security Service Federal Credit Union SSFCU ) charged me XXXX XXXX XXXX ( XXXX ) even though I had active auto insurance the entire time. After I provided my insurance declaration pages, the XXXX provider refunded the premium. SSFCU applied the refund to my loan principal against my explicit instructions, instead of issuing me the refund check that I requested. They owe me {$4600.00} plus XXXX years of interest and are ignoring my requests. 
Details : I am the borrower on auto loan # XXXX with SSFCU. XXXX  was added to my loan even though I continuously carried full-coverage auto insurance. I later provided SSFCU with my insurance declaration pages showing I was covered during the exact period for which XXXX was charged. 
SSFCU received a XXXX refund of {$4600.00} from the insurer. Instead of returning the refund to me as required when the borrower had continuous coverage, SSFCU applied the refund to my loan principal without my consent, despite my multiple written requests for a refund check. 
I have asked repeatedly for my refund check and a written explanation of their actions. They have not responded. This appears to be an improper handling of XXXX  refunds and may be an unfair or deceptive practice. 
I am requesting that the CFPB require SSFCU to : Refund the {$4600.00} directly to me by check, Pay XXXX years of interest on the funds they improperly held, and Provide a written explanation of all XXXX-related transactions on my account. 
My contact information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX Cell : 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 2025-11-21 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: UT

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 9. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 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  that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am filing this complaint because TransUnion and Experian failed to comply with the Fair Credit Reporting Act during the reinvestigation of my XXXX XXXX XXXXXXXX XXXX XXXX account ( opened XX/XX/year> ). 

1. The account had been previously deleted, but it was reinserted with XXXX and XXXX late payments without providing me the required 5-day written notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). I never received any reinsertion notice from the bureaus. 

2. I also never received proof that XXXX  XXXX XXXX certified the reinsertion. Under FCRA, deleted information can not be reinserted unless the furnisher certifies its accuracy. No certification was ever provided to me.

3. TransUnion claimed my documents were unacceptable, but they never requested updated identification, never explained what was wrong, and never completed the legally required reinvestigation.

4. The bureaus placed an account in dispute flag without conducting a real investigation, which is also a violation of FCRA 611 ( a ).

5. I requested verification of the XXXX and XXXX lates, but no evidence was providedonly a statement that the furnisher updated information. This is not valid verification under FCRA. 

This is an unlawful reinsertion of previously deleted information. Since the bureaus can not provide certification from XXXX  XXXX XXXX or a reinsertion notice, I request the removal of the late payments or the deletion of the entire account from my credit report.

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 2025-11-22 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

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.

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