vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I had XXXX dollars stolen from me through fraud. Someone stole my debit card number, phone number, and name. They spent XXXX on XXXX XXXX 's website. USAA gave me a provisional credit but took this credit back thinking I lied about the fraud. I sent multiple pages of evidence like the fact that I was not in my home state when the purchase and pickup of products occurred ( even though the IP address of the computer that purchased the products was in XXXX ). 

My bank after multiple reviews still believes that I am a fault and is not listening to any of my evidence. The criminal even spelled my email wrong when purchasing and XXXX XXXX and USAA still don't believe me. I desperately need help resolving this and getting my money back. 

Most notable evidence : I was in XXXX XXXX from XXXX XXXX - I have plane tickets and credit card statements of my credit card being spent in XXXX XXXX on and between those dates. 

The fraud money was spent on XX/XX/XXXX - USAA says the IP address was XXXX miles from my home. I was not even in the state at this time. 

Also the products purchased were picked up at multiple best buys not anywhere near my home even in XXXX by someone who even admitted that they were not me. 

They also got my email wrong - my email is XXXX, the email they put is XXXX. 

Please help.

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 2025-03-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-03-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity 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 2025-03-21 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: GA

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.

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX # XXXX 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 non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to address an issue regarding a charge-off that has remained on my credit report despite my full payment. 

On XX/XX/year>, I made a payment of {$1300.00} to settle the outstanding balance on my line of credit. At the time of payment, I was informed by a Goldsman agent that once the balance was paid in full, the charge-off would be removed from my credit report. Being that I was back on my feet with working I wanted to make sure I cleared this up I was always making on time payments but failed behind due to work related things. However, despite fulfilling this obligation of paying the settlement amount request, the charge-off is still appearing on my credit report across all three major bureaus. 

I am actively working to re-establish my credit and maintain a good credit history like I had before getting this charge off, but this charge-off continues to impact my ability to move forward. I kindly request that you remove this negative remark from all three credit bureaus to reflect that the debt has been settled. 

I would appreciate your prompt attention to this matter because I did as they asked which was pay the settlement and this line of credit would be removed completely from my credit profile. however I have fulfilled my end of the deal and they have yet to do theres an this has been affecting my financial goals. Please let me know if any further documentation is needed from my side to facilitate this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$1600.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XXXX XXXX - Balance : {$1500.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$720.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$1600.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1100.00} - Account # : XXXX XXXX XXXX - Balance : {$1500.00} - Account # : As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint against Experian regarding a data breach that has compromised my identity, resulting in unauthorized activity appearing on my credit report. Despite my repeated efforts to address this issue, Experian has failed to provide assistance, and the inaccuracies continue to impact my financial well-being. 

As a result of the breach, I have noticed several fraudulent accounts and unauthorized inquiries listed on my credit report, causing significant financial hardship. The discrepancies have lowered my credit score, making it difficult to secure loans and affecting my ability to conduct everyday transactions. In addition, I am dealing with ongoing personal stress and emotional injury as I attempt to resolve the matter. 

I immediately contacted Experian to dispute the unauthorized activity and correct my credit report. However, not only has Experian failed to respond to my inquiry, but they have also refused to investigate or take the necessary steps to rectify the issue. This lack of accountability and customer service is unacceptable. 

Given the severity of the situation and the damage that has already been done, I respectfully request the CFPB 's intervention in this matter. I ask that you assist me in ensuring Experian takes responsibility for the breach, investigates the inaccuracies on my credit report, and resolves the situation promptly. 

I have attached copies of my communications with Experian, including my dispute request, and any relevant documentation to support my claim. I kindly ask that you take immediate action to address this issue and prevent further harm to my financial stability and personal well-being. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: MI

Complaint narrative:
I am writing to file a formal complaint against Experian regarding a data breach that has compromised my identity, resulting in unauthorized activity appearing on my credit report. Despite my repeated efforts to address this issue, Experian has failed to provide assistance, and the inaccuracies continue to impact my financial well-being. 

As a result of the breach, I have noticed several fraudulent accounts and unauthorized inquiries listed on my credit report, causing significant financial hardship. The discrepancies have lowered my credit score, making it difficult to secure loans and affecting my ability to conduct everyday transactions. In addition, I am dealing with ongoing personal stress and emotional injury as I attempt to resolve the matter. 

I immediately contacted Experian to dispute the unauthorized activity and correct my credit report. However, not only has Experian failed to respond to my inquiry, but they have also refused to investigate or take the necessary steps to rectify the issue. This lack of accountability and customer service is unacceptable. 

Given the severity of the situation and the damage that has already been done, I respectfully request the CFPB 's intervention in this matter. I ask that you assist me in ensuring Experian takes responsibility for the breach, investigates the inaccuracies on my credit report, and resolves the situation promptly. 

I have attached copies of my communications with Experian, including my dispute request, and any relevant documentation to support my claim. I kindly ask that you take immediate action to address this issue and prevent further harm to my financial stability and personal well-being. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue as soon as possible.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Removal of Unverified Collections from My Credit Report Dear CFPB, I am formally disputing multiple collections accounts appearing on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of proper verification. These accounts are negatively impacting my financial standing and must be removed immediately if they can not be verified according to the law. Furthermore, Experian, Equifax, and TransUnion are currently being sued for reporting inaccurate information, which further highlights the necessity of enforcing consumer protections under federal law.

I request that the CFPB thoroughly review the collections accounts reported by each credit bureau and investigate whether these accounts meet legal reporting standards. I have attached my full credit reports from Experian, Equifax, and TransUnion for your review, with the disputed collection accounts clearly highlighted. 

Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681i - Right to Dispute and Verification Requirement : Under the FCRA, any information on my credit report must be accurate, verifiable, and complete. These collection agencies have failed to provide legally required proof of debt ownership and verification.

If they can not produce original documentation signed by me proving my liability, these accounts must be removed immediately. 

FDCPA 15 U.S.C. 1692g - Debt Validation Requirement : Debt collectors must provide validation of any debt upon request. If they fail to provide full validation, they are in violation of the law, and continued reporting of such accounts is illegal.

Unfair Reporting and Re-aging Practices : Some of these collections may have been re-aged to remain on my report longer than legally allowed ( 7 years from the date of first delinquency ). I demand a full investigation into this matter.

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 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Removal of Unverified Collections from My Credit Report Dear CFPB, I am formally disputing multiple collections accounts appearing on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of proper verification. These accounts are negatively impacting my financial standing and must be removed immediately if they can not be verified according to the law. Furthermore, Experian, Equifax, and TransUnion are currently being sued for reporting inaccurate information, which further highlights the necessity of enforcing consumer protections under federal law.

I request that the CFPB thoroughly review the collections accounts reported by each credit bureau and investigate whether these accounts meet legal reporting standards. I have attached my full credit reports from Experian, Equifax, and TransUnion for your review, with the disputed collection accounts clearly highlighted. 

Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681i - Right to Dispute and Verification Requirement : Under the FCRA, any information on my credit report must be accurate, verifiable, and complete. These collection agencies have failed to provide legally required proof of debt ownership and verification.

If they can not produce original documentation signed by me proving my liability, these accounts must be removed immediately. 

FDCPA 15 U.S.C. 1692g - Debt Validation Requirement : Debt collectors must provide validation of any debt upon request. If they fail to provide full validation, they are in violation of the law, and continued reporting of such accounts is illegal.

Unfair Reporting and Re-aging Practices : Some of these collections may have been re-aged to remain on my report longer than legally allowed ( 7 years from the date of first delinquency ). I demand a full investigation into this matter.

Company response to consumer: Closed with explanation