vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
XXXX"On or about XXXX someone hacked my bank account, opened accounts in the middle of the night and bounced money from account to account until they XXXX  the account $XXXX. My mom who had a joint bank account received text alerts, as soon as the bank opened she called and my accounts were temp closed. Then we went to the bank in XXXX  CA and spoke to someone over the phone who started the investigation. the bank never contact me, did any investigation or provided any resources. They simply closed my account and kept the little money I had saved, about $XXXX  on one account and $XXXX  on another account. I'm XXXX  and depend on my money, they simply kept it. I am the victim of Identity theft, this is not okay to treat customer and not provide needed help when they are victims of FRAUD. the bank can easily track the money and see that it was not me and that I did not moved hte funds or take the funds. I need this resolved. Someone stole my information and used it in another state to open bank accounts. I've only live in California and only XXXX  years old, XXXX. Living with my mother. Someone hacked my bank account and open accounts as well and same day my mom who had jointed account contacted XXXX XXXX XXXX and they were to do an investigation and remove things BUT nothing was done and when I reached out to the bank no one would help, visiting the branch they would not help and said I needed to call the number of the ATM card but they treated me and my mom like we created this issue and allowed the fraud and Identity theft to transpired. I only had two credit card one for an appliance and another with XXXX XXXX XXXX which was closed. I've disputed the information with the XXXX XXXX and they removed my accessto attempt to monitor my account online. I need the information removed and updated to be accurate. MY ONLY RESIDENCE SINCE I WAS BORN: XXXX  XXXX XXXX XXXX  CA XXXX. AND I HAVE NEVER LEFT HOME OR USED ANY OTHER ADDRESS. ALSO MY BIRHTDAY ON IS XXXX, I SEE THE FRAUD PEOPLE USED SOME OTHER DATA. my valid accounts with XXXX XXXX XXXX are XXXX XXXX XXXX on XXXX on or about XXXX  california time they moved $XXXX  and $XXXX  which I have never had in my life around the account, after contact XXXX XXXX XXXX they opened a claim XXXX  and others to resolve they sent a notice that no loss was found and I AM WAITING ON RESOLUTION AS I AM GOING TO CONTACT THE NEW CHANNEL TO HELP ME BECAUSE I AM DESPERATE"

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I have been dealing with an ongoing Man-in-the-Middle ( MITM ) cyberattack for several months, and notified USAA immediately. My XXXX had been cloned, and despite best efforts, I ended up losing access to all of my email accounts and phone number. USAA 's app was still being accessed via the cloned device, and after repeatedly calling USAA to beg for help to remove the cloned device, it took almost 3 months to do so. As a result of the cyberattack, I lost my job and had to withdraw funds from my savings for my bills. I previously had autopay enrolled for both of my auto loans with USAA. However, due to the cyberattack, I had to obtain new banking account numbers for all of my banks. USAA was the only bank that failed to ever issue new account numbers, despite XXXX months after being repeatedly notified that I had been experiencing an ongoing MITM attack. 
I remitted payments to USAA via my non-USAA bank account 's bill pay system for my car loans, and USAA failed to apply payments received for XXXX of the XXXX car loans. I overpaid XXXX car loan that had become delinquent trying to get the car payment current on XX/XX/year>, and USAA has yet to apply the car payment received, despite the payment clearing on XX/XX/year>. Making a terrible situation worse, USAA refused to cancel the auto repo request that they sent out, and charged an additional {$500.00} to the loan balance on XX/XX/year> after the car was XXXX XXXX XX/XX/year>. USAA has intentionally made it difficult to remit payments to them, and requested a check by phone payment or a wire payment. USAA 's representatives advised me that it would take XXXX to XXXX business days for them to apply a wire payment to the loan and stop the repo order. Upon information provided by USAA, it appears that USAA has serious problems with their payment application process and intentionally is attempting to coerce customers into paying to bring a delinquent loan current, without any intention of timely ceasing collection efforts. 
USAA 's unethical business practices should be investigated immediately and reasonable measures should be taken to prevent the company from continuing its ongoing predatory practices. In addition, USAA 's blatant failure to have adequate protocols in place for victims of cybercrime should be reviewed, since the bank is continuing to use outdated SMS-messages for verification for its customers, despite recently published NIST guidance that SMS-verification is not secure.

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 2025-07-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TX

Complaint narrative:
This account was charge on the following date:XXXX Since then the account has repeatedly been update as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account property after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following account : Accounts XXXX XXXX XXXX XXXX Account Number : 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 2025-07-07 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute concerning the inaccurate and unverifiable accounts listed below, which continue to appear on my credit report despite prior notice :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute concerning the inaccurate and unverifiable accounts listed below, which continue to appear on my credit report despite prior notice :

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Let me be clear : this is a legitimate complaint that requires immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial and personal well-being.

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 2025-07-07 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: U.S. BANCORP
State: IL

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information appearing on my credit report, which has negatively impacted my credit standing. Despite my formal disputes and requests for verification, the company in question has failed to respond adequately to correct/remove the erroneous entries. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to a fair and accurate credit file and requires consumer reporting agencies and data furnishers to investigate disputes and remove unverifiable data.

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 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
In 2023, I purchased a XXXXXXXX XXXX XXXXXXXX and paid approximately {$42000.00} including down payment and installments. Due to ongoing mechanical defects such as a cylinder leak, I returned the vehicle to XXXX . I requested a replacement or refund, but Mercedes-Benz Financial Services refused to refund me.

Without my knowledge or consent, and while my case was still open, Mercedes-Benz Financial Services sold my vehicle at auction. I did not sign any agreement authorizing this sale, nor was I provided any written notice or documentation.

Despite the unauthorized sale, MBFS continues to claim that I owe a remaining balance of {$15000.00}, which I dispute. This mishandling has caused me financial loss totaling approximately {$85000.00}, including income loss, insurance payouts, and additional expenses.

I have made multiple attempts to resolve this issue with MBFS and XXXX XXXX but have received no satisfactory explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$410.00}

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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im filing this complaint because my credit report contains outdated and inaccurate personal information that I did not authorize. It shows incorrect addresses. The employment section also includes outdated or incorrect entries. I have submitted valid documentsgovernment ID, SSN card, and utility billsto support the correct personal data. Under 15 USC 1681e ( b ), credit bureaus must ensure the maximum possible accuracy of the information they report. Im requesting immediate correction or deletion of the inaccurate items and written confirmation once resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$670.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$670.00}

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 2025-07-07 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: VA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit.

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 2025-07-07 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: KY

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-07 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:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation