vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Account takeover incident. XX/XX/XXXX I received a text about fraud activity and needed to verify the transactions. 
Followed by a phone call requesting I verify the charges. I went straight to my account and stated Ive been in the app and none of the charges were showing. The guy stated the charges wouldnt show up that they needed to be verified from the link he sent. ( This isnt abnormal- Ive received a text and phone call in the past about verifying charges ) I had already experienced my credit card information being stolen recently and was afraid my debit card would be too since I had to use the debit card while I was waiting for my credit card to arrive. I used the link to verify but I had to reset my password because I always logon with my face. He sent me links from the official usaa text message number to help me reset the password. In the message it said USAA would ask for the code if I called- he asked for the code and I gave it. It was already in the back of my mind so naturally I was very upset to learn one of the charges was my debit card and they were trying to do a debit of XXXX and attempted the debit XXXX at the XXXXXXXX XXXX  He insisted it maybe an inside job since there were so many attempts. He encouraged me to go to XXXX and plan a decoy transaction. He had me go into my account and see that my account was placed under investigation. ( I later learned that he changed the nickname of my account to under investigation ) I performed a decoy transaction of XXXX which should not have been allowed to take place since I did not have the funds in my checking. The person moved my savings into my checking to allow the transaction to take place. After that I saw the amounts debited from from savings and immediately called USAA to verify what was going on. They explained to me it was an account take over and they credited me the XXXX while under investigation. XXXX XXXX I received XXXX letters awarding me my savings of $ XXXX and $ XXXX. XX/XX/XXXX USAA reversed the $ XXXX and debited the amount from my checking account after making the decision that i intentionally made the transaction and they are not liable.

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 2025-05-28 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-28 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After a thorough review of my credit report, I have identified serious discrepancies in the reporting of certain accounts. These accounts are being reported by your bureau yet do not appear at all on my Equifax credit report. This stark inconsistency raises valid concerns about the accuracy, completeness, and validity of your reporting.

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 2025-05-28 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: TX

Complaint narrative:
After a thorough review of my credit report, I have identified serious discrepancies in the reporting of certain accounts. These accounts are being reported by your bureau yet do not appear at all on my Equifax credit report. This stark inconsistency raises valid concerns about the accuracy, completeness, and validity of your reporting.

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 2025-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unverified Late Payments Request for Immediate Deletion To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, regarding late payment entries currently reported on my credit file. These entries are reported by the following furnishers : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX I am disputing the accuracy and verification of these late payment entries and requesting their immediate removal. Under the FCRA, you are required to investigate my dispute and remove any information that can not be verified with complete accuracy. 
Legal Basis for Dispute FCRA XXXX ( a ) requires a reasonable reinvestigation of disputed information within XXXX  days. If the information can not be verified, it must be deleted from the consumer 's credit file. 
FCRA XXXX ( b ) requires furnishers of information to conduct a proper investigation when a consumer disputes information. 
XXXX U.S.C. XXXX under the Truth in Lending Act provides that payments received must be credited promptly and accurately, and billing errors must be corrected. Improperly posted payments or delayed crediting may result in false late reporting, which violates federal law. 
I am requesting the following actions : Immediate deletion of the late payment records from the above accounts. 
Written verification and documentation of the exact dates and amounts alleged to be late. 
Confirmation that any unverifiable or inaccurately reported information has been permanently removed from my credit file. 
Failure to comply with your obligations under the FCRA and other applicable consumer protection laws may result in formal complaints filed with the Consumer Financial Protection Bureau ( XXXX  ), Federal Trade Commission ( XXXX  ), and my State Attorney General 's Office, in addition to legal action to seek damages. 
Please consider this letter as my good faith effort to resolve this matter. I expect your written confirmation of your investigation results within XX/XX/XXXXdays, per federal law. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX 1984

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 2025-05-28 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:
Due to exposure of my personal data during a breach, fraudulent accounts now appear on my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XX/XX/XXXXXXXX XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX, Balance : {$25000.00} XXXX XX/XX/XXXXXXXX - Account Number : XX/XX/XXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} Inquiries US DEPARTMENT OF EDU Date : XX/XX/XXXX US DEPARTMENT OF EDU Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-28 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: IL

Complaint narrative:
I am filing this complaint because TRANSUNION is reporting fraudulent account and unauthorized XXXX inquiries on my credit report. These are the result of identity theft or other unauthorized use of my personal information. 

I have no knowledge or contractual relationship with the creditors involved in the reported accounts. I have also not applied for any XXXX XXXX, XXXX XXXX from the companies listed as having made XXXX  inquiries. Under the Fair Credit Reporting Act ( FCRA XXXX ), TRANSUNION may only report inquiries that were made with my explicit authorization and for a permissible purpose. These requirements have not been met. 

I previously submitted a dispute to TRANSUNION that included an FTC Identity Theft Report, valid ID, and proof of address. Despite this, TRANSUNION has failed to : Delete the fraudulent accounts, in violation of FCRA XXXX Remove unauthorized hard inquiries, violating FCRA XXXX ( a ) ( XXXX ) Properly investigate the dispute, violating FCRA XXXX ( a ) ( XXXX ) ( A ) Follow proper XXXX XXXX compliance by failing to block or code these items correctly using XB, DA, or XXXX as applicable TRANSUNION 's continued reporting of fraudulent information and inquiries has caused reputational and financial XXXX. These violations constitute either willful or negligent noncompliance with FCRA, and I am exercising my full rights under federal law.

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 2025-05-28 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: IL

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX delete and block the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$360.00} Inquiries XXXX XXXX  Date : XX/XX/year> COAF Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> 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 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple accounts currently appearing on my consumer report are directly tied to identity theft, and I never provided any written authorization or wet signature for their inclusion on my credit file. I have previously contacted your organization regarding this critical matter and am now formally demanding the immediate blocking and complete removal of these fraudulent accounts from my report. The ongoing presence of these unauthorized accounts has created substantial emotional and financial hardship, as they present a false and damaging representation of my actual credit history and financial obligations. These fraudulent entries have severely compromised my ability to accomplish essential financial objectives, including securing a mortgage for home ownership and adequately providing for my family 's needs. Should this matter not receive appropriate and timely resolution, I am fully prepared to pursue comprehensive legal action to safeguard my consumer rights and obtain proper remediation.

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 2025-05-28 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:
My name is XXXX XXXX. my date of birth is XX/XX/2002. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card from XXXX Account number XXXX also the following inquiries were unauthorized 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # 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.

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 2025-05-28 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:
My name is XXXX XXXX. my date of birth is XX/XX/2002. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card from XXXX Account number XXXX also the following inquiries were unauthorized 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # 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.

Company response to consumer: Closed with non-monetary relief