vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A 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 DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 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 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 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 explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A 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 DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 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 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 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 2025-11-20 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: Chime Financial Inc
State: GA

Complaint narrative:
I purchased merchandise from a website that was advertised on XXXX. It was claiming the company XXXX was having an going out of business sale, so everything was 90 % off. After purchasing it, I was taken to a different website entirely. I researched this website and determined that I had been scammed. When I tried to dispute this with Chime, it was denied once. I asked for a review and provided more information that it was fraudulent, that I paid but obviously never received the items, it was denied yet again. I even contacted the legitimate company for XXXX and they are also aware of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information being reported on my credit file. I am a victim of identity theft, and the items listed below do not belong to me and were not opened, authorized, or initiated by me.I have already notified the credit bureaus and the furnisher that these accounts are fraudulent and requested immediate deletion, but they have failed to conduct a lawful investigation under FCRA 602A, 603 ( c ), 609 ( e ), 611, 616, 617, and 623. They are reporting false information that is harming my creditworthiness and causing financial damage. I was under the impression that the accounts were supposed to be deleted within 4 days. I am asking the CFPB to step in to assist with this matter. This is starting to become very overwhelming.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent information being reported on my credit file. I am a victim of identity theft, and the items listed below do not belong to me and were not opened, authorized, or initiated by me.I have already notified the credit bureaus and the furnisher that these accounts are fraudulent and requested immediate deletion, but they have failed to conduct a lawful investigation under FCRA 602A, 603 ( c ), 609 ( e ), 611, 616, 617, and 623. They are reporting false information that is harming my creditworthiness and causing financial damage. I was under the impression that the accounts were supposed to be deleted within 4 days. I am asking the CFPB to step in to assist with this matter. This is starting to become very overwhelming.

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 2025-11-20 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXX  XXXX XXXX. XXXX Balance : {$800.00} Date Last Active : XX/XX/XXXX and the failure of the credit reporting agencies Experian, Equifax and TRANSunion to properly investigate and correct these inaccuracies, in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute. 
2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision.

4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my abilities to obtain credit.

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 2025-11-20 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 submitting this complaint to dispute multiple serious inaccuracies that misrepresent my credit history and violate my rights under the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) requiring maximum possible accuracy, 609 guaranteeing my right to full disclosure, and 608 restricting the reporting of information without a permissible purpose. Experian is inaccurately reporting my XXXX XXXX XXXX XXXX account as Late Closed with a balance of {$14000.00} and a Late XXXX Days status, which is inconsistent with my actual payment history and account records, and demonstrates a failure to maintain reasonable procedures for accuracy. Additionally, the XXXX Furnishing account # XXXX is reported as a charge-off with a balance of {$1800.00}, when documentation confirms it should be reported under XXXX guidelines ; this misclassification falsely inflates my derogatory data and creates a misleading portrayal of my financial obligations in violation of FCRA 602. Equifax and TransUnion are reporting similar discrepancies, demonstrating a pattern of negligent reporting and failure to follow proper reinvestigation procedures required under FCRA 611 ( a ), which mandates that inaccurate, incomplete, or unverifiable information be promptly corrected or removed. These repeated reporting errors across all three bureaus have caused direct harm to my creditworthiness, financial opportunities, and overall consumer rights, and I am requesting immediate regulatory intervention to ensure full compliance with 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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Beginning in XXXX and continuing through XXXX, I was the victim of a long-running financial fraud scam. During this period, I was manipulated and pressured into using my USAA credit card to take daily in-person cash advances. Because USAA has a XXXX cash-advance limit, the scammers instructed me to withdraw {$1000.00} in cash each day. Although I chose the physical bank locations myself, the timing, pressure, and instructions all came directly from the scammers. 

These transactions were completely outside my normal financial behavior. I had never taken daily cash withdrawals before, and the activity occurred at different bank branches, across multiple locations, and at unusual times of day. Despite this extremely abnormal and high-risk pattern, USAA never froze my card, never contacted me, never flagged the activity, and never intervened. USAA approved every cash advance even as my balance rapidly increased. 

In addition to the daily cash advances, the scammers also pressured me into making repeated rounded-dollar purchases at grocery stores such as XXXX, XXXX XXXX XXXX and XXXX  using my USAA credit card. These purchases were for large volumes of XXXX gift cards, almost always in {$500.00} increments and often multiple times in a single visit. At times, the store registers would not accept identical repeated amounts, forcing the purchases to vary by a penny ( for example, {$490.00} or {$490.00} ). It is not normal or reasonable for any customer to spend {$500.00} at grocery stores two or three times per week let alone multiple times per day. This pattern of repeated, high-dollar, rounded-amount transactions is a well-known red flag for financial fraud and gift-cardbased exploitation. 

All of this activity occurred while I was under manipulation and duress. At the time, I did not understand I was being targeted by a scam, and I did not file a fraud claim with USAA because I did not yet realize what was happening. Because USAA continued to approve both the daily cash advances and the repeated {$500.00} grocery-store gift-card purchases without any fraud detection or intervention, my credit-card balance eventually reached approximately {$22000.00}, which I was forced to include in my bankruptcy filing. This loss was a direct result of the scam and USAAs failure to detect clear indicators of fraud and elder financial exploitation. 

I have not previously disclosed this to USAA, but during the scam period I was also dealing with the effects of a XXXX XXXX XXXX. This condition affected my judgment and processing and made me significantly more vulnerable to coercion and manipulation by the scammers. 

This complaint concerns my USAA credit card only and does not involve any USAA insurance policy.

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 2025-11-20 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I found several items on my credit report that are inaccurate, fraudulent, or do not belong to me. These accounts and negative marks were reported without my authorization, and I have never opened or agreed to any of the accounts being listed. Some entries show incorrect balances, wrong dates, or payment histories that do not reflect my actual activity. 

When I discovered these issues during a recent review of my credit report, I attempted to resolve the matter by checking for any communication or verification from the companies involved, but none was provided. Because these items are incorrect and damaging to my credit, I am requesting that they be fully investigated and removed as required under 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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: OR

Complaint narrative:
I've had many missing in my account with pretty much every transaction

Company response to consumer: Closed with explanation