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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. 
I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX, I called USAA to have a fraud alert fixed. I spoken with numerous representatives on multiple occasions. They all said it was fixed. I sought to sent an external transfer and then the alert would come bank and lock up my account again. Clearly their system is broken. I finally called and wanted to speak with a supervisor because the security specialists were clearly not resolving the deeper issue. I was denied and told supervisors only do callbacks and it could be up to 5 business days. I asked how I was to function without my accounts, she couldn't give me a good answer and simply said to go through another review ( lasting another 30-60 minutes ). She hung up on me when I pushed her on this. The fraud division is broken! I want back full access to my accounts.

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 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: PA

Complaint narrative:
My mortgage payoff date was XX/XX/year>. I have roughly {$5000.00} in an escrow account that has not been refunded within the 20 day window. This includes money for a {$4500.00} tax bill that was due XX/XX/year> and I was not able to pay because my escrow is still being held. 

I contacted the mortgage company today and they said they can issue a check that will be here in 14-20 days. No alternative options were given. This is in violation of the 20 day grace period they have to return my escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I filed an auto claim with USAA after my XXXX XXXX XXXX sustained suspension damage. The damage required replacement of the XXXX XXXX front struts, which are discontinued and no longer available new from XXXX or authorized suppliers. 

Under my policy, USAA is required to restore my vehicle to its pre-loss condition using parts of like kind and quality. I provided USAA with : Proof from XXXX and multiple dealerships that the XXXX XXXX struts are discontinued. 
Preliminary and final repair estimates from my chosen repair shop. 
Documentation showing no exact XXXX replacement exists. 

Despite this, USAAs Property Damage Specialist ( PDS ) called me attempting to persuade me to accept XXXX alternative struts for the front only, which would result in mismatched suspension components. This is not equivalent to XXXX XXXX parts and does not meet manufacturer specifications for safety and performance. 

I formally disputed this with USAA in writing on XX/XX/XXXX and submitted supporting documentation. As of today, USAA has not provided a written explanation based on policy terms for denying XXXX-equivalent replacement. My vehicle has been sitting in the repair shop since XX/XX/XXXX, with no repair authorization issued. 

I believe USAA is failing to honor the terms of my policy by refusing to authorize a repair that restores my vehicle to its pre-loss condition, and by attempting to push an inferior, non-XXXX  solution when the XXXX part is unavailable. 

I am seeking a resolution that ensures my vehicle is repaired to XXXX specifications or with parts of true like kind and quality, and that USAA complies with its contractual obligations.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am in disbelief, highly offended, and feel scammed by Equifax. Is Equifax and XXXX  sister companies that work together? Both of these operate in the same manner ; unethical. Equifax has been participating in unfair, unethical, and deceptive business practices using my personal information and credit report incorrectly for decades. They have been victimizing a certain class for years in the past and recent years and there has not been any real accountability. It is a shame that this type of victimization is allowed. 

Equifax offered me {$8.00} on a credit card for my troubles they caused me for years. They were even deceptive in that process. They kept sending notifications to my email about the class action lawsuit, but never disclosed the amount. You do not find out the amount you are receiving until after you click the link. This is so unfair. 

I refuse to use a dime of that small degrading amount. Im quite sure that minimal amount of money on a prepaid card was not offered to everyone included in the class action lawsuit. I truly feel they based the amount distributed on unfair terms as well. 

I would never allow any company or wealthy law firm representing a class action lawsuit to financially abuse me in this way. So if the lawsuit totaled {>= $1,000,000} and the lawyer gets XXXX ; That means the lawyers got over {>= $1,000,000}. I am appalled and extremely offended. Some people in this world really think it is ok to inflict this type of injustice and xenophobia on certain people or groups. This is so horrible. Im not going to take {$8.00} from a company that victimized me for over 20 years for damages and help a rich law firm gain over {$90.00} million. This is very unfair. 

Today I tried to go in to take a photo of the pre paid card to upload here. I guess they blocked my access after I called and questioned them about the amount and told them how offended I was and how they should be ashamed for even thinking I would be that dumb/stupid to let them victimize and low ball me like that. 

If that is all that company and law firm thinks Im worth they can dude roll me from the class action lawsuit and deactivate that credit card.

Ill do better filing my own case in court.

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

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX  - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Klarna AB
State: PA

Complaint narrative:
I am currently unemployed and receiving unemployment benefits ( since XX/XX/year> ). I contacted Klarna to request hardship assistance for my account, such as pausing or reducing payments, or suppressing credit bureau reporting during this temporary hardship. This request was made because the purchase was for essential work-related equipment, not luxury or unnecessary spending. 

Klarna informed me their previous hardship pause policy has been removed and that they would not negotiate lower monthly payments or offer any accommodation beyond the existing repayment plan. They stated the account may be reported to credit bureaus if not paid on time, but eventually confirmed it will not be reported as long as I continue making full on-time payments. 

This means Klarna has eliminated meaningful hardship options mid-agreement, leaving consumers in financial hardship with no flexibility to adjust payments. While I am making my monthly payments, the refusal to offer any payment relief or reporting suppression option beyond pay on time is unfair and potentially harmful to those on protected unemployment benefits. 

I have attached screenshots of my conversation with Klarna as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Been trying to pay a back account to capitol one but each time I call they record me and my business records as well but they refuse my payment cause Im recording .. how is it that one person can to protect them but a normal citizen cant? Been trying to pay it for 6 months now but keep getting denied when I tell em calls are recorded .. its my financial information so why cant I cover myself? so as them refusing my payment that means they need to wipe off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX calls me incessantly saying my husband owes a credit card debt from HSBC in XXXX. I asked them to send me a hard copy letter detailing the debt and terms ; however the would only email it. I XXXX  gave them my email, but when I got the letter, I would not click on the links within. Now they are calling me every XXXX XXXX  leaving voice mails. My husband d and I NEVER had credit cards in XXXX. We had to file XXXX  in the very late nineties so we could not qualify for a credit card until very recently. This is the second company to harass us this way. The other being XXXX XXXX. Both companies are out of XXXX, GA. Help!!! I am so tired of this. Plus, we are both in our XXXX so they may be preying on that. Thank you for any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The request for information was not fulfilled and my rights have been violated. 

I formally requested that you provide complete validation of this alleged debt, including but not limited to : Original signed contract bearing my signature. A full payment history, including dates and amounts. Documentation that Midland XXXX XXXX is legally authorized to collect and report this debt, including proof of assignment or purchase. Verification that all reporting complies with the FCRA and FDCPA. In accordance with UCC 3-501, I demand presentment of the original contract, signed by myself, as evidence of any obligation. If no such instrument exists, I request that the alleged debt and its reporting be immediately removed as unsubstantiated and therefore, in violation of my rights as a consumer. Furthermore, I am making this request under my rights granted by 15 U.S.C. 1692g ( b ), which requires that disputed debts be validated and all collection activity and reporting cease until such validation is provided. Failure to comply may result in further actions, including complaints to the attorney generals office. If you are unable to provide the requested validation and legal proof within 30 days, you are required by law to delete this negative item from my credit report. Please confirm in writing the results of your investigation and provide me with an updated copy of my credit report reflecting any changes made. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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