vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: NJ

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The USAA mobile app displays Overdraft setting : Auto-Decline and Overdraft protection : Protected by USAA Savings XXXX XXXX under my checking account details. This presentation clearly implies that overdraft protection and the auto-decline setting apply directly to the checking account. 

However, when I spoke with a USAA representative, I was told that these settings only apply to debit card transactions, not to other types of transactions that can overdraw the checking account ( e.g., ACH payments, checks, bill pay ). This contradicts the apps labeling, which does not specify that the auto-decline setting is limited to card purchases. 

This misinformation is misleading and affects my ability to manage my account properly. I believed all transactions from the checking account would be declined or protected based on these settings. As a result, I may have unknowingly exposed myself to overdraft-related issues that I thought were prevented. 

I am requesting a correction to this misleading app language so it clearly states that the overdraft setting only applies to debit card transactions. This correction should be reflected across all platforms ( mobile app, website, and customer service explanations ) to ensure transparency and prevent confusion for other customers.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
I received a letter dated XX/XX/year>, which was sent to a former address ( my sisters residence ), not my current one. Out of caution, I called the agency to inquire about the nature of the debt. The representative I spoke to was extremely rude, aggressive, and unprofessional. He pressured me to disclose my date of birth and Social Security number without clearly verifying the validity of the claim. I did not feel safe or comfortable continuing the call. 

This behavior is intimidating, unsafe, and may violate the Fair Debt Collection Practices Act ( FDCPA ). I have not been given adequate information about the alleged debt and feel I am being targeted unfairly. 

I am requesting : An investigation into Synergetic Communications collection practices.

A review of how my personal information was obtained and why mail was sent to an incorrect address.

Enforcement action, if appropriate, for the inappropriate request of sensitive personal data over the phone.

Please let me know if you need a copy of the debt collection letter I received.

Thank you for protecting consumers like me. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the the Fair Credit Reporting Act { FCRA } to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau [ CFPB ] has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend there disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
The beginning of XX/XX/XXXX someone opened up a credit card in my name. I found my credit report had a new account opened and that is what led me to investigate. I contacted the number on the credit report and was told that someone had purchased a phone thru XXXX XXXX XXXX on XX/XX/XXXX. I then contacted Citibank and told them the issue and they said they would cancel that account. On XX/XX/XXXX I received a letter stating that that card had been cancelled and I had nothing to worry about. Thought this issue was resolved. I received a letter dated XX/XX/XXXX satiating they had been unable to verify activity on my accelerated savings account. I only pick up my mail once every couple of weeks so on XX/XX/XXXX I contacted Citibank. I tried to login online and I was locked out of my account. On XX/XX/XXXX I contacted them again. They wanted my full account number and I told them I cant get online to give them the acct number and I dont get paper statements. I provided them with my atm card number for the account.last 4 of my social, address on letter, reference number XXXX on the letter they sent me, my mailing address. I have nothing with my full account number on it as I go paperless. They told me when I called on XX/XX/XXXX that someone had made a mistake and they closed my account and have taken my money. I called again on XX/XX/XXXX and was told by a supervisor XXXX that it was an error on their part and they would have this fixed in a few days and I would be able to access my account. XX/XX/XXXX contacted Citibank again and went thru the whole story again and because I forgot what the 4 letter code on my was and I dont have my full account number that they can not help me. I am filing this clam wig you to try to get some help. This is a crime and no wonder most older people dont want to mess with paperless or computer accounts because if you dont have all the information they can just close your account and take your money. I am at my wits ends, please help. 
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 monetary relief
Consumer complaint received 2025-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Credit acceptance has been reporting 150 days late on credit report with the wrong balance. There no 30 days nor 90 days reported. This account is hurting my credit report. I have already contacted credit acceptance and nothing has been resolved

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 2025-08-04 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: IL

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX  continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-08-04 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: OH

Complaint narrative:
I am writing to dispute an account listed on my TransUnion, Experian, Equifax credit report. This is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for the reinvestigation and removal of the following inaccurate information : Creditor Name : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Not available Reason for Dispute : I do not recognize this account and did not authorize its opening. This account is not mine, and I am requesting that it be removed from my credit file immediately. 

Please conduct a reasonable investigation into this matter. If XXXX XXXX can not provide verified proof that this account is valid and belongs to me, it must be deleted from my credit report in compliance with the FCRA. 
According to the FCRA, if the creditor can not verify the accuracy of this information, it must be deleted from my credit file. Ive enclosed copies of the following documents to support my dispute I have enclosed copies of my identification and proof of address to assist with your investigation. 

Please provide written confirmation of the results of your reinvestigation and send me an updated copy of my credit report once the process is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
I am writing to dispute an account listed on my TransUnion, Experian, Equifax credit report. This is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) for the reinvestigation and removal of the following inaccurate information : Creditor Name : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Not available Reason for Dispute : I do not recognize this account and did not authorize its opening. This account is not mine, and I am requesting that it be removed from my credit file immediately. 

Please conduct a reasonable investigation into this matter. If XXXX XXXX can not provide verified proof that this account is valid and belongs to me, it must be deleted from my credit report in compliance with the FCRA. 
According to the FCRA, if the creditor can not verify the accuracy of this information, it must be deleted from my credit file. Ive enclosed copies of the following documents to support my dispute I have enclosed copies of my identification and proof of address to assist with your investigation. 

Please provide written confirmation of the results of your reinvestigation and send me an updated copy of my credit report once the process is complete.

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 2025-08-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Charges were made to the card by a travel agency. The flight and service was cancelled involuntarily ( this involved not only myself, but XXXX other persons ). I have been disputing the charges on my card, mailed a certified letter with documentation. They are now asking for me to state the booking fee ( which was billed to my card ) was never received. Obviously they charged for a service that never happened. The ticket appeared on the XXXX  XXXX  XXXX, and then showed cancelled, no reason given. 
XXXX XXXX ( seat upgrade ) {$53.00} XX/XX/XXXX, XXXX XXXX XXXX ( booking ) {$230.00} XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX. Their document showes XXXX XXXX charges of {$860.00} ( combo of both airline ticket {$620.00}, and XXXX  balance XXXX  booking fee {$230.00}. 
The card company ( Capital One ) has put each XXXX of these charges back on my account during this process, and keeps asking for more info. as stated above. 
All of the other people at my church have received their refunds from their respective cards ; I do not understand what the problem is from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
Rebuttal Statement to CFPB I am responding to XXXX XXXX  attempt to dismiss my complaint. Their statement contains inaccuracies and deflections : I submitted a formal demand letter on XX/XX/XXXX, outlining specific CFPB and TSR violations. That letter was sent to the settlement administrator, XXXX XXXX, as directed during the redress process. 

On XX/XX/XXXX, XXXX confirmed that I did not waive my legal rights by accepting a settlement check in XX/XX/XXXX. I have this confirmation in writing. 

XXXX  claim that they didnt receive my letter is a deflection. The complaint is about violations of the TSR and deceptive practices, not a technicality of who received the demand. 

Their business model was already found illegal by the CFPB, and my experience matched those findings I was misled, charged before meaningful work was completed, and never saw the promised improvements. 

I am reiterating my demand for {$6000.00} in restitution, which includes a {$1700.00} refund and {$4300.00} in emotional and financial damages. 

I request the CFPB hold XXXX XXXX accountable and compel them to fully resolve t

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
A fraudulent individual managed to gain access to my account on XX/XX/year> and change the contact information. I immediately contacted SoFi to ask that they put a freeze on the account initially they refused to freeze the account while the individual had access the automated ID check system they use ( Persona ) continues to say that I do not match my ID. The humans in the fraud department acknowledge that I look like the picture on the ID but the system disagrees when I ask for any alternatives. I am stonewalled with the same one line propped whenever I ask for any solutions or any help with this fraud issue they continue with the same prompt, I am to pay my bills and they offer absolutely no solutions. They refuse to Provide any alternative method of verification and are unable to help access my funds at one point one of the several customer service reps mentioned that somebody else managed to use their ID and the automated verification system to gain access to my Account. Yet I ( The rightful owner of the account ) Have no Avenue of accessing my funds. I understand that SoFi is just following fraud procedure, but it seems unlawful that they are willing to hold onto my funds indefinitely and make no effort to Address identity fraud.

Company response to consumer: Closed with explanation