vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX  {$170.00} hold was placed on my checking account from a gas pump. The hold was not removed and posted as an actual charge. The merchant and bank are placing blame on each other, and I have lost {$170.00}. 

Merchant : XXXX, operated by XXXX on XXXX XXXXXXXX FL. 
XXXX  : USAA On XXXX XX/XX/year>, I attempted to pay for fuel at an XXXX XXXX XXXX  pump on XXXX XXXX XXXX FL. The pump seemed to fail the payment process and get stuck after a ZIP was entered. This happened 3 times before I moved to another pump that worked with no issues. When I returned home, I noticed a pending charge for {$170.00} for the same gas station. My family and I frequently use the fuel stations and have not seen this happen before. I spoke with the station manager and was informed that the pending charge should be a hold, and that it will resolve in a few days. Unfortunately, it did not resolve and posted to my checking account. I reached out to USAA bank to discuss/dispute this charge ; they agreed to credit the account for the amount while they investigated. They asked for proof of the transaction or a receipt. I explained that it was not possible to provide anything, as nothing was available. There was no receipt from the pump because to my understanding there was no charge. I reached out to XXXX XXXX XXXX XXXX XXXXXXXX ) for to ask about evidence of the transaction. During our phone conversation their representative told me that they had no record of the failed attempts but did have record of the successful transaction that happened right after. They informed me that there was no way to provide evidence as none was available. After informing USAA bank of this and my actions with XXXX, USAA bank closed the investigation and removed the credited {$170.00} from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My CareCredit account was charged {$4100.00} in deferred interest after my promotional period expired.My original promotional purchase was {$5300.00}. I made consistent payments and was not clearly notified that the promotional period was ending or that failing to pay the remaining balance in time would result in such a large retroactive interest charge. 
When I contacted CareCredit/Synchrony about this, they told me I must pay the remaining balance in full immediately in order to remove the interest. I can not afford to pay the full amount at once, and I believe this condition is unreasonable and not enforceable while the charge is under dispute. 
I am requesting that Synchrony remove the {$4100.00} deferred interest charge in full

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-28 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: IL

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 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-28 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 explanation
Consumer complaint received 2025-11-28 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-28 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-11-28 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: EQUIFAX, INC.
State: NV

Complaint narrative:
The information displayed provides an incomplete and inaccurate account of my financial behavior. I respectfully ask for a review and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I am writing to dispute certain information on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit file, I have identified several discrepancies and inaccurate entries that need to be corrected. I respectfully request that you investigate and resolve these matters promptly. Below are the details of the disputed items : 1. FCRA Violations : Incomplete or Inaccurate Reporting : The reported information does not match my records or fails to reflect accurate payment history, balances, or account statuses. 
Failure to Update Information : Accounts that have been paid off or settled are still reflected as open or charged-off. 
Outdated Information : Items that should have been removed based on the FCRA 's 7- year rule for negative accounts are still being reported. 
Data Breach : I believe that my personal information may have been compromised in a recent data breach, which could explain the inaccurate information being reported. 
Below are the specific accounts that I am disputing : Disputed Accounts : XXXX. XXXX, XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} o Status : Collection o Issue : Account information disputed by consumer. The reporting should reflect the dispute status accurately. 
XXXX. XXXX XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} o Status : Collection o Issue : Account information disputed by consumer. The reported status should reflect that the dispute is ongoing. 
XXXX. XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} o Status : Collection o Issue : The account should reflect the disputed status properly, as the balance and payment history are contested.

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 2025-11-28 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disclaim any link to these accounts and request their deletion within XXXX  days under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit reports. Below, I have outlined the details of the accounts in dispute for each credit bureau. I request that the information be investigated and corrected. 

CHARGED OFF XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Phone call XXXX XXXX XX/XX/year> at XXXX, did not answer Phone call XXXX XXXX XX/XX/year> at XXXX, did not answer Phone call XXXX XXXX XX/XX/year> at XXXX and XXXX, did not answer Phone call XXXX XXXX XX/XX/year> at XXXX, did not answer Phone call XXXX XXXX XX/XX/year> at XXXX, did not answer then called back at XXXX. Spoke with a representative who asked for my name, current mailing address. I provided my current mailing address and my previous mailing address, representative could not find my name and then asked for last XXXX of SSN which I provided. Representative could not find still and asked if I knew a XXXX XXXX. My last name is mispronounced very often so I thought he said it correctly the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe to be inaccurate or incomplete. Below, I have listed the accounts in dispute, separated by each credit bureau. Please review and investigate the discrepancies I have highlighted. 

Charged Off Accounts : XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint against Equifax because they reinserted a previously deleted XXXX XXXX  account ending in XXXX onto my credit report without providing the legally required reinsertion notice. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX.S.C. 1681i ( a ) ( 5 ) ( B ). 

This XXXX XXXX  account had been previously removed after prior disputes and fraud concerns. It later reappeared on my Equifax credit report without any written notification. I never received a reinsertion notice from Equifax within XXXX business days ( or at all ), as required under the FCRA. 

I recently received a written response from XXXX XXXX to my CFPB complaint. In their response, XXXX explicitly states : Following your XXXX fraud claim, the account isnt currently reporting with XXXX  nor XXXX, and we processed a Bureau Reinsertion Request with Equifax to ensure the account continued to report. 

This proves the account was : Previously removed, and Reinserted by Equifax at the furnishers request. 

Equifax did not comply with the reinsertion requirements. They did not provide me with : Written notice of the reinsertion within XXXX business days ; The name and contact information of the furnisher ; My reinvestigation rights ; Copies of any written certification they supposedly received from the furnisher. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax can not legally reinsert a deleted tradeline without fulfilling these steps. If Equifax can not produce proof of certification and notice, they must permanently delete the tradeline. 

I am requesting that CFPB require Equifax to : Provide evidence of written certification from XXXX XXXX  XXXX Provide proof of the reinvestigation performed prior to reinsertion ; Provide copies of the reinsertion notice allegedly sent to me ; or Permanently delete the XXXX XXXX  account ending in XXXX for violation of the FCRA reinsertion provisions. 

Attached evidence includes : XXXX  written admission that they submitted a Bureau Reinsertion Request ( Exhibit XXXX  ) My Equifax reports showing prior removal and later reappearance of the account ( Exhibits XXXX and XXXX ) I request full regulatory review and enforcement of this reinsertion violation.

Company response to consumer: Closed with explanation