vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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 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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

RESOLUTION :

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 2025-07-24 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: NE

Complaint narrative:
I was charged multiple times across different cards. First, I attempted to pay with my XXXX XXXX debit card, which they said didnt work. I then tried my XXXX XXXX, and again, they claimed it didnt go through. Finally, I provided my USAA debit card, which they said was successful, and I signed the receipt for that transaction. However, I later discovered that my USAA card was charged multiple times, as well as charges showing up on both my XXXX XXXX and XXXX XXXX cards despite being told those cards didnt work. Ive tried reaching out to the business to explain the situation, but theyve hung up on me repeatedly, which leads me to believe theyve scammed me. My banks are claiming I authorized these transactions, but I did not sign receipts for the additional charges, and the situation feels like a clear case of fraud. I would appreciate your immediate assistance in resolving this matter. 
Was charged twice on USAA credit card for {$100.00} and once on my XXXX XXXX debit card for {$100.00} and once on my USAA debit card for {$100.00}

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 2025-07-24 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: CA

Complaint narrative:
On XX/XX/year> Transunion reported a fraudulent account ( XXXX-XXXX  Account # XXXX ) on my credit report. Immediately the next day on XX/XX/year> I went to a XXXX XXXX  and confirmed with the branch manager XXXX XXXX that I never opened or authorized anyone to open XXXX-XXXX  Account # XXXX and that it was fraud and that I was a victim of identity theft. I followed up with the branch manager and provided her and XXXX with a police report, FTC identity theft affidavit and CFPB complaint about my identity being stolen and the defamation of my reputation. To date the fraudulent account has been closed and is being investigated. 

However Transunion is still reporting this fraudulent account ( XXXX-XXXX  Account # XXXX ) that occurred from identity theft on my credit report. I have sent Transunion a dispute letter detailing the fraudulent account along with my passport Identification, Police Report, FTC Identity Theft Affidavit, proof of address, requesting that Transunion block this fraudulent information from my account pursuant to FCRA section 605 B U.S.C. 15 section 1681 c-2.

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 2025-07-24 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:
I did not open or authorize these accounts and suspect fraudulent behavior. I request their immediate deletion from my report and a proper investigation. Enclosed is evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am urgently requesting your help in removing a dismissed bankruptcy ( Reference # : XXXX ) that is still appearing on my credit report, even though it was never finalized and should not be reported. The bankruptcy, a XXXX  XXXX filing from XX/XX/year>, was dismissed early in the processno debts were discharged, no repayment plan was confirmed, and no legal obligations were established. What is even more distressing is that I have been a victim of identity theft, which directly contributed to the initiation of this bankruptcy case without my full awareness or consent. As soon as I became aware of the situation, I took immediate legal action to have the petition dismissed and to stop the process before any damage could worsen. Despite this, the dismissed case continues to appear on my credit file, causing significant harm to my creditworthiness and peace of mind. I have reached out to the credit bureaus multiple times, but they have failed to take any action to correct this. I am now turning to the CFPB to request your assistance in ensuring that this inaccurate and damaging entry is permanently blocked and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which protects consumers from the reporting of false or misleading information. I have attached all relevant documentation, including proof of identity theft and the court documents confirming the dismissal, to support my request. I sincerely ask for your urgent intervention to help resolve this unfair and ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2021, Balance : {$5000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2021, Balance : {$15000.00}

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-24 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: WA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

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 2025-07-24 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: TrueAccord Corp.
State: GA

Complaint narrative:
I received an email from tru accord requesting that I owe them a debt, I have asked for verification of this debt as well as validation of this debt and the company did neither of what I requested and they are violating my consumer rights. I have asked for the sale data file as well. The company failed to comply or do a proper investigation and verification. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g This law requires debt collectors to provide validation of a debt when requested by the consumer.

If your debt was sold to another company, the new owner ( debt buyer ) must verify that they have legal right to collect on it.

You can demand proof in writing such as : A copy of the original contract or account statement A chain of title showing transfer of the debt Proof of your responsibility for the debt 2.

Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 The FCRA says that any account being reported on your credit report must be accurate and complete.

If a debt was sold, and two companies are showing the same debt, thats a violation.

The original creditor should show a {$0.00} balance, sold to another lender, and the new debt buyer should reflect the correct amount.

You can dispute this with the credit bureaus under the FCRA.

3.

Debt Sale Automatic Removal There is no law that says a debt must be deleted from your credit report just because it was sold.

However, you can argue the following : If the debt buyer cant validate or prove they own it, you can dispute it.

If the chain of ownership is broken, its considered unverifiable, and under FCRA, it must be deleted.

If the debt is past the statute of limitations in your state, they may not be able to legally collect, though it might still be reported for up to 7 years from the default date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate and potentially unlawful reporting of a debt listed by XXXX XXXX on my credit report. The account is reported as open with an outstanding balance of {$790.00}, opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. 

This account is being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 1. Accuracy of Information ( 15 U.S.C. 1681i ) This item is being reported without proper validation and may contain inaccurate or incomplete information. I do not recognize this account, and XXXX XXXX has failed to provide me with the original contract or proof that this debt is valid and belongs to me.

2. Right to Privacy ( 15 U.S.C. 1681b ) My personal identifying information may have been obtained or used by XXXX XXXX without proper consent or permissible purpose. If this debt was purchased and not originated with them, I did not authorize the sale or transfer of my personal and financial information.

3. Reporting After Dispute ( 15 U.S.C. 1681s-2 ) The entry shows Consumer disputes after resolution, yet it remains on my report. Continued reporting without proper verification or correction is a violation of federal law.

Under the FCRA, I am exercising my right to dispute this entry and request that this account be deleted immediately from all credit reporting agencies ( Equifax, Experian, and XXXX  ). You are required by law to investigate my dispute and respond within 30 days of receipt.

If this item can not be verified with complete and accurate documentation ( including the original signed contract and chain of ownership ), it must be removed from my credit report entirely.

Please send me written confirmation once the investigation is complete and the necessary action has been taken. If this issue is not resolved within the required timeframe, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Sincerely,

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Dear [ XXXX ] , I am writing to formally dispute inaccurate information that appears on my credit report. The item in question is an alleged debt reported by first key relating to a rental at XXXX XXXX XXXX XXXX XXXX 

The entry is inaccurate because my lease ended on XX/XX/XXXX, and I vacated the property and returned the keys on XX/XX/year>, in full accordance with the terms of my lease. I was wrongfully charged an additional months rent after my lease had ended and after I had already moved out. Therefore, this account is not valid and should not be reported as a delinquent or unpaid balance. they are trying to charge me for XXXX rent which i had already vacated. 


15 U.S. Code 1692g Validation of debts Requires the debt collector to stop collection efforts and verify the debt if disputed in writing within 30 days of initial contact.

15 U.S. Code 1681s-2 ( a ) : Furnishers of information must provide accurate data. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that this entry be investigated and removed from my credit report if it is found to be inaccurate or unverifiable. Please provide written confirmation of the outcome of your investigation. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
There is Inaccurate and misleading information currently reported on my Equifax and TransUnion XXXX file regarding the collection account listed under XXXX XXXX/ XXXX XXXX  ( Account # ending in XXXX ). 

This account does not appear on my Experian credit report as of XX/XX/year>, which raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e ( b ), which mandates that consumer credit information be 100 % accurate and verifiable. Inconsistent reporting across major bureaus indicates a failure to ensure accuracy and completeness. If this debt were valid and accurate, it should be reflected uniformly across all credit reports. 

In accordance with 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation upon notification of a dispute. If this account can not be verified with documented evidence from the furnisher, it must be promptly deleted from my credit file.

Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in the collection of a debt. Reporting or selling unverified or disputed debts is considered a violation.

15 U.S.C. 1692e ( 8 ), which prohibits communicating false credit information, including failing to indicate that a debt is disputed. 
15 U.S.C. 1692c, which restricts improper communication by debt collectors, including contacting the consumer at inconvenient times, places, or after a cease-and-desist request. If this alleged debt has been sold or reassigned without honoring my consumer rights, it may constitute a further violation of federal law.

Furthermore, if this debt has been sold or transferred to another entity while in dispute, such action without proper validation and disclosure would also be a direct violation of these federal protections.

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 2025-07-24 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-07-24 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: NY

Complaint narrative:
I am writing with absolute certainty and deep frustration regarding the numerous errors on my credit report. These inaccuracies have caused ongoing harm to my credit score and overall quality of life, preventing me from achieving financial stability and freedom. I can no longer overlook this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This is not me debt to stop harassing me the phone calls, and report to my credit report

Company response to consumer: Closed with explanation