vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NV

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 2025-10-28 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding my USAA account, which has been placed in a credit only status without clear justification or access to my funds. Despite multiple calls and attempts to resolve the matter, I have been told that I must wait XXXX  days for a check to be issued. This is causing me severe financial hardship, as I rely on this account for essential living expenses including rent, utilities, and bills. 

I have not received any written explanation detailing the reason for this restriction, nor has USAA provided documentation verifying any alleged issue such as fraud, returned deposits, or policy violation. My deposits are legitimate and verifiable, yet I am being denied access to my own funds. 

This action has placed me in a difficult and unfair position. I am a responsible account holder and have complied with all account terms. Holding my funds for XXXX  days without proper notice, explanation, or investigation violates reasonable banking practices and potentially my consumer rights.

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 2025-10-28 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: AR

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: PA

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 2025-10-28 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: GA

Complaint narrative:
No XXXX company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX XXXX  XXXX XXXX XXXX XXXX of inquiry : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXXXXXX, Date of inquiry : XX/XX/year> XXXX. XXXX Account XXXX : XXXX These accounts and inquiries were not authorized by me and must be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: FL

Complaint narrative:
I placed an order on XXXX ( OrderXX/XX/XXXXXXXX ) in XX/XX/year> using Klarna as my payment method. I canceled the order within XXXXXX/XX/XXXX. XXXX confirmed in writing that they attempted a refund on XX/XX/year>, but no refund ever reached Klarna or my linked payment source. 

Klarna initially closed my first dispute without confirming that any refund was received. I reopened the case, and Klarna escalated it to their Dispute Resolution Team. On XX/XX/year>, Klarna emailed XXXX requesting a response by XX/XX/year>, yet XXXX confirmed to me that they have not replied. 

I have repeatedly contacted XXXX through chat, email, and XXXX XXXX, asking them to escalate to their Payments Operations team and respond to Klarnas inquiry. Each time, my support ticket is closed without escalation. 

Klarna has acknowledged the merchants non-response but will not finalize the case or release a refund until XXXX replies. This leaves me stuck without a refund for a canceled order. 

I am requesting : Klarna to enforce its Buyer Protection Policy and issue the refund directly since the merchant has failed to respond. 
A review of Klarnas handling of refund disputes that are closed prematurely or without proof of refund from the merchant. 

Supporting documentation includes : XXXX written confirmation of refund attempt ( XX/XX/year> ) Klarna correspondence confirming XX/XX/XXXX email and XX/XX/XXXX response deadline Screenshots of XXXX admitting non-response Proof of Klarnas prior premature case closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
on XX/XX/year> I wrote a check for {$1000.00} to XXXX XXXX platinum the processor for that company wrote inputted {$100.00} and the check is clearly written for {$1000.00} both numerically and written it was an error on their end, and they reported me late because the minimum due was {$300.00}. This is clearly an error on their end, and they will not remove it from my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX chase bank got a garnishment letter for me took XXXX from my savings account plus charged me XXXX legal fee for something that was really never owed i then took action gathered documents for state of Alabama was cleared from those they sent chase a letter on XX/XX/year> to release the hold chase then sent the.payment after receiving the letter stating they didn't have enough time then I inquire about putting stop.payment was told they can't do that the company has to send a letter telling to to stop.payment this is not their money nor the banks now I'm out XXXX until who knows when it's already hard times this is complete negligent on the banks part it's my money not their

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Between XXXX XXXX XXXX XXXX, a minor made XXXX unauthorized purchases through XXXX XXXX ( XXXX XXXX ) using my Citi checking/debit account via XX/XX/XXXX device XXXX. 
I immediately reported all as unauthorized, but Citi mis-classified them as merchandise/service not as described. 

Citi approved XXXX identical cases ( {$3.00} XXXX and {$21.00} XXXX ) yet denied the other XXXX all from the same event, merchant, and device. Citi never conducted a proper investigation : no call, no email, no request for information, and no written explanation. This violates Regulation XXXX ( XXXXXX/XX/XXXXXXXX ), which requires a reasonable investigation and written notice of findings for any unauthorized electronic fund transfer. 

Update : Citi has now reversed a {$510.00} provisional credit it had previously issued without completing a lawful investigation, providing documentation, or sending required notice and has indicated more reversals will follow. Under XXXX XX/XX/XXXX XXXX ( d ), a bank may not debit a provisional credit until it has completed an investigation and sent written results. Citis actions are in direct violation of this rule. 

Citis own published policy promises {$0.00} Liability on Unauthorized Transactions for Consumer Cards. Denying XXXX while approving XXXX identical cases contradicts that promise and shows inconsistent application of its own standards. 

Applicable law & merchant policy : XXXX XXXX XXXX XXXX. XXXX Minors lack capacity to enter financial contracts ; guardian consent is required. 
XXXX regulators have banned minors from livestream tipping and require refunds. 
XXXX policy implements a guardian refund mechanism for minor spending and has issued tens of thousands of such refunds. 

Denied cases ( XXXX total = {$2900.00} ) : XXXX {$17.00} ; XXXX {$43.00} ; XXXX {$72.00} ; XXXX {$190.00} ; XXXX {$150.00} ; XXXX {$43.00} ; XXXX {$29.00} ; XXXX {$14.00} ; XXXX {$29.00} ; XXXX {$29.00} ; XXXX {$7.00} ; XXXX {$17.00} ; XXXX {$30.00} ; XXXX {$17.00} ; XXXX {$14.00} ; XXXX {$210.00} ; XXXX {$170.00} ; XXXX {$43.00} ; XXXX {$210.00} ; XXXX {$190.00} ; XXXX {$17.00} ; XXXX {$43.00} ; XXXX {$190.00} ; XXXX {$110.00} ; XXXX {$21.00} ; XXXX {$17.00}.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NV

Complaint narrative:
I have disputed this Discover account multiple times with the credit reporting agencies and the furnishing remains inaccurate. The information Discover is providing is inconsistent, conflicting, and unverifiable across each consumer reporting agency. Specific inaccuracies include : Conflicting Date of Last Payment Conflicting Date Last Active Conflicting High Credit values Balance being reported after charge-off Payment status and derogatory codes not uniform Account
originally opened on XX/XX/XXXX ( Discover Secured ) Charge-off was reported on or around XX/XX/XXXX I disputed the accuracy of this account with all three credit reporting agencies at least 4 times between XX/XX/XXXX XX/XX/XXXX Discover verified but continues to report different dates, statuses, and balance information to each bureau Last reported dates conflict : XXXX  and XXXX  report XX/XX/XXXX, while XXXX  reports XX/XX/XXXX Discover XXXX a balance of {$190.00} on a charged-off account despite the secured deposit Payment history and high credit amounts vary widely across bureaus No accurate or complete documentation was ever provided to resolve the disputes These errors have prevented me from getting a mortgage pre-approval this year, causing financial harm These discrepancies demonstrate the account is being reported with inaccuracies and without proper verification. I have previously disputed directly with the credit bureaus and Discover failed to provide accurate information in response to those disputes.

Due to these violations, I am requesting the complete removal of the Discover tradeline from all consumer reporting agencies because Discover is reporting information that can not be verified with maximum accuracy as required under FCRA 607 ( b ), 611, and 623 ( a ).

This account is preventing me from qualifying for a mortgage and causing financial harm. I am requesting immediate deletion of this inaccurate tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My credit card was charged {$700.00} at XXXX XXXX on XX/XX/year> for a purchase I did not make. I froze my credit card, canceled it, and ordered a new one. Bank of America gave me a temporary credit for the {$700.00} while they investigated, but then denied the claim. I appealed the denial and sent a letter to Bank of America ( attached ) but just learned that my appeal was denied.

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 2025-10-28 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 Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief