vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-24 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: HI

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute unauthorized charges and raise serious concerns about the handling of my account with CHASE Bank XXXX 
Below is a timeline of events : - On XX/XX/XXXX, I received an email stating that my damaged debit card was on the way. At the same time, I was charged a {$15.00} XXXX fee, ' which I never requested. 
- I immediately called XXXX to dispute the fee, request cancellation of the shipment, for I never requested a replacement card. The representative informed me this could not be done, and my new card should be received the following day. As of today, XX/XX/XXXX, I have still not received that replacement card. 
- On XX/XX/XXXX, I went to a doctors appointment and paid my co-pay, then I went to a XXXX and my card worked fine. Later, at a local grocery store, my card was declined. The cashier informed me the expiration date on the card was invalid, even though I had the physical card in hand and showed the cashier the expiration was XX/XX/XXXX. 
- Upon checking my account at home, I discovered XXXX ATM withdrawals, ( {$300.00}, {$400.00} and {$810.00} ) made in the XXXX XXXX XXXX NY, a locations I have not ever visited. 
I immediately contacted XXXX to dispute these transactions. However, I was told that because a PIN was used, the transactions are considered valid. I asked how they could be valid if I have only physical card. I requested that XXXX XXXX ATM surveillance footage to verify the identity of the individual making these withdrawals. My request was refused and told me I would need a subpoena for them to look at their own cameras. 

The girl ( XXXX XXXX in the XXXX Department told me since they used my pin number it was a valid transaction. I said they used my pin number, but how did they use the actual debit card when I am the only XXXX with the physical card. 
On XX/XX/XXXX, I went to the XXXX Police Department and filed a report ( XXXX ). I then went to CHASE Bank XXXX XXXX XXXX XXXX. in XXXX, NY and handed the report to XXXX XXXX. He uploaded the report into CHASE bank system. On XX/XX/XXXX, I received another letter from CHASE stating the same thing with their first letter. It looks like the only changed the date on the letter. 
If you would like to know the exact dates, I contacted CHASE, you probably could listen to all your tape-recorded phone calls I have made.

This response is unacceptable. A compromised card and PIN are strong indicators of fraud.

By refusing to investigate, CHASE is failing its obligations under the Electronic Fund Transfer Act ( Regulation E ), which protects consumers from unauthorized electronic transactions. 
I am therefore escalating this complaint to Consumer Financial Protection Bureau ( CFPB ).

The CFPB is tasked with ensuring fair treatment of consumers in financial matters, and I believe CHASE has failed in its obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OK

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One credit card cheated me XXXX XXXX  for late penalty fee, when I have auto pay, as well made duplicate manual payment.I have more than sufficient fees in my bank to cover XXXX payment. 
I am on top of the issue .Capital One credit card said not not my fault. They still charged me. Unnecessary late fee charges from Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I have had this credit card for several months and have paid on time, even the overdraft available, amount that was required to keep my account active and open each month with the exception of XXXX time in XX/XX/year>. I received no information about my account being closed and have been paying and not using the card so that it could be paid in full and I can use in the future. I just paid the amount required yesterday, which was a significant amount, but there was NO indication that my account was closed. I went in to see my account balance available and saw it said {$0.00}. I was confused and reached out to customer service who then told me my account was closed on XX/XX/year>. I was, and still am, in complete shock about this account closure. They said it was a system closure and they could do nothing about it, although I have paid on time each and every month, with the exception of XX/XX/year> which I received a late fee for ( {$30.00} ) and which they subsequently waived as a one-time courtesy. This makes no sense to do if my account was closed, so I am extremely upset and want my account reopened and available to use immediately. They are running a scam on well-intentioned citizens who are trying to get their lives back in order, and once they start to do this, they completely revoke the options and hard work that was done by the consumer. It is 100 % unfair and uncalled for. I received XXXX notification that my account was closed via mail or email as XXXX ( supervisor ) said I had been. I received XXXX assistance or help with this issue and will move further on with this issue if I do not receive the support and aid by CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-09-24 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 
I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-09-24 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: MD

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 explanation
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
I am a victim of identity theft and recently a victim of a data breach on which all of my personal information had been exposed and there is an account being reported that does not belong to me. Under FCRA 623 ( a ) ( 8 ) and 623 ( b ) you are required to cease reporting this fraudulent account and to conduct a reasonable investigation. Any continued reporting or collection efforts will constitute willful non-compliance under 15 USC 1681n,1681o. XXXX XXXX Account Number : ( XXXX ). I am the victim of identity theft and a data breach. A fraudulent account was opened and reported by XXXX XXXX without my knowledge, authorization, or consent. 

Despite providing an FTC Identity Theft Report, proof of identity, and supporting documentation, XXXX XXXX has continued to furnish this fraudulent information to XXXX  and Equifax. 

Violations include : FCRA 623 ( a ) ( 6 ) : Furnishing information known to be the result of identity theft.

FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a direct dispute.

FCRA 623 ( b ) : Failure to investigate and correct inaccurate information furnished to credit bureaus. 

I am requesting that XXXX XXXX immediately : XXXX block and delete the fraudulent account. 
XXXX furnishing this account to XXXX  and Equifax. 
XXXX written confirmation that the account has been removed and will not be pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear XXXX, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking XXXX XXXX it shows the delivery date of XX/XX/year> at XXXX AM in XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : C & GFINANCE - {$3300.00} ( ACCOUNT XXXX  XXXX ) XXXX XXXX  XXXX - {$0.00} ( ACCOUNT XXXX XXXXXXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for unlawfully furnishing my consumer reports to companies that did not have a permissible purpose or legitimate business reason under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

On XX/XX/XXXX, and other dates, my consumer reports were furnished without my authorization to the following companies : TransUnion : XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX Card ( XX/XX/XXXX ) Experian : XXXX Card ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX Co ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ) These inquiries were placed on my file without a permissible purpose, which is a violation of my privacy rights under the FCRA. The credit reporting agencies failed to ensure compliance before releasing my consumer report. 

The CFPB has issued guidance ( 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes ) that permissible purposes must be consumer-specific, and disclaimers can not cure a violation. Furthermore, FCRA 604 ( f ) prohibits anyone from obtaining or using a consumer report without a permissible purpose.

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 2025-09-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations 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 2025-09-24 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:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRAs for verification of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information Im not familiar with. Please find attached a copy of my ID, FTC complaint, a copy of my XXXX report showing my information being exposed in a national data breach and a debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
I deposited a check for XXXX on XX/XX/XXXX. I called USAA bank to inquire on XX/XX/XXXX if I deposited the XXXX would it be on hold and if so, was there a way around it. They said yes that I could deposit and then request an exception. I called on XX/XX/XXXX and was told no I couldnt have the funds earlier. I was told I could try again tomorrow. I called again on XX/XX/XXXX and yet again was told no. I asked to speak to someone higher up to see if they had an additional support resources- they told me no and that there wasnt anyone else they could allow me to speak to. The escalation team would call me back within XXXX  days- essentially stating the day before my hold comes off theyd reach out. I told them I was closing on a house and selling my house on the same day. Without the funds to close I would not be able to purchase my new home. Effectively leaving my family homeless for the duration of the time the check took to clear. They stated there was nothing they could do. I offered to provide documentation showing the funds coming out of my brothers bank account from the check. That was also not good enough. 

So I went to XXXX to seek out higher up people who be able to assist. XXXX XXXX the president of USAA, told me to get a job. Blocked me and then deleted his comments. They are breaking the law by not releasing my funds in a timely manner and now I will be without housing. 

Why does the XXXX get to speak to me as such? No member loyalty after XXXX  years of banking, purchasing insurance, housing CDS. Never XXXX asking for a check to clear faster than it was supposed to, where is the empathy and desire to solve member issues? So thanks to USAA I will be homeless for XXXX  days.

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