vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: CA

Complaint narrative:
A collection agency without permission has violated my rights and caused harm on my consumer credit report by inserting a unverified inaccurate XXXX XXXX  XXXX bill that is not mine and is claiming that XXXX XXXX XXXX XXXX her client. The collection agency name is XXXX XXXX. I have no legal contract nor any legal obligation or have promised to pay any monies to this company and they are violating my right to obtain goods and services resulting is misrepresentation of my true consumer profile which is fraud and would like assistance with the removal of this fraudulent bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/year>, I got a cashier 's check for {$9900.00} from USAA 's office in XXXX XXXX, TX ( in-person ) and mailed it via USPS Certified Mail to the roofer for my rental property in XXXX XXXX XXXX TX on the same day. It was delivered on XXXX XX/XX/year> ( forged initials on delivery - not received by the roofer ), and cashed or deposited on XXXX XX/XX/year>. I discovered the issue on XXXX XX/XX/year> and was able to report the stolen cashiers check during business hours on XXXX XX/XX/year>. ( I additionally opened cases with XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX Police Department. ) USAA sent me a XXXXXXXX XXXX  form to fill out because XXXX services their cashier 's ( they call them " teller 's '' ) checks. I submitted the form. About 10 days later, I received a letter in the mail that there was a problem with the form and to resubmit. I fixed the issue and resubmitted. About 10 days later, another letter and another resubmission. That happened 2-3 more times and each time I spent 1-2 hours on the phone with USAA trying to figure out what I need to do so the form is accepted and how to follow-up and get the investigation rolling. Each time, USAA 's team was unable to provide someone in the office who processes these fraud claims, any information on where the check was cashed, any reference numbers I can use to follow up with XXXX or instill any confidence whatsoever that I was going to get my stolen money back. I've even escalated the issue to the CEO 's office, who effectively told me to make the requested correction on the form ( for the XXXX time and XXXX different issue ) and resubmit. I did resubmit again on XXXX XX/XX/XXXX, and since then I have heard NOTHING back about the claim. No " yes, we got your form and we're moving forward, '' no case number, nothing. The XXXX form says they will provide a response within XXXX hours of receipt. I haven't even got confirmation of that. 

We're now 63 days past the original report and I am confident any security footage that could have been used to identify the thief is now overwritten, and I'm unable to advise the police detectives on where to begin looking anyway. This is UNSATISFACTORY - their bungling of this issue is going to cause me to lose out almost {$10000.00}. A quick XXXX search tells me I'm not the first or only person to lose money from USAA failing to resolve these issues. They need to be held accountable and change their processes to stop failing their customers.

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 2025-07-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$360.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00}, XXXXXXXX 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

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 2025-07-08 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 t

o 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 2025-07-08 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: 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 t

o 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXXFair Credit Reporting Act, Section 609\n\nDear Equifax,\n\nI am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report: XXXX XXXX XXXX XXXX XXXX XXXX\nAs per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.\n\nMy identifying information is as follows:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nAs proof of my identity, I have included copies of my Social Security card, drivers license, and a bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.\n\nIf you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.\n\nSincerely,\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit reports from the three major credit bureaus ( TransUnion, Experian, and Equifax ) and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These accounts are negatively impacting my credit profile and do not reflect the accurate status of my credit history. Despite attempting to resolve these discrepancies directly with the credit bureaus, I have not received proper validation, verification, or correction of the disputed items. The following issues were found : Multiple charge-off accounts are listed without proper validation or supporting documentation. Several accounts appear to be duplicate listings across different bureaus with inconsistent statuses. Some accounts still reflect delinquent or late payments even though they were paid off, settled, or are currently in good standing. A few accounts were never authorized or do not match my known credit activity. One or more accounts were marked as dispute resolved consumer disagrees without providing the requested documentation. I have submitted disputes under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), but have yet to receive an appropriate resolution or deletion of unverifiable accounts. This situation is preventing me from qualifying for necessary financial services, including housing and auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting a bankruptcy but has not provided me with how they were able to verify this information. I contacted the courthouse and the clerk of courts stated they do NOT provide any court records to credit bureaus. How was Equifax able to verify this information belongs to me and not someone with similar information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: GA

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 XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : 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

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 2025-07-08 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: MD

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 2025-07-08 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: NC

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 : XXXXXXXX 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, Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IN

Complaint narrative:
Delete all these accounts immediately and restore my good credit with Equifax, Experian, and Transunion i will take each bureau to Arbitration this is your final warning to block and delete these accounts failure to do so will result in further lawsuits. Also, my info has been exposed in all 3 breaches and each agency has been accused of not properly investigating these accounts and inserting fraud and incorrect information.

I have attached the FTC fraud affidavit for your review below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IN

Complaint narrative:
Delete all these accounts immediately and restore my good credit with Equifax, Experian, and Transunion i will take each bureau to Arbitration this is your final warning to block and delete these accounts failure to do so will result in further lawsuits. Also, my info has been exposed in all 3 breaches and each agency has been accused of not properly investigating these accounts and inserting fraud and incorrect information.

I have attached the FTC fraud affidavit for your review below.

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 2025-07-08 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: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year> I purchased some T-Shirts which I still have not received XXXX months ago now I was supposed to get them within 7 days. I have filed a disdpute with chime they have still not resolved this its beern XXXX  months.The amount is {$22.00} I have called them many times no answers now they just let theifs keep my money it is very sad what have become in our country. I would like my money back Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting this formal complaint regarding Capital Ones handling of my longstanding account relationship and reward program benefits. I have maintained Capital One credit card and bank accounts for over 20 years, consistently in good standing. Recently, I reported fraudulent activity on one of my accountsa matter which falls under Capital One 's own fraud guarantee policies. 
Instead of resolving the situation in line with their stated commitments, Capital One abruptly closed my accounts without prior discussion or warning. More disturbingly, they subsequently revoked access to my accumulated rewards balance, totaling over XXXX XXXX points, including travel benefits eligible for redemption. 
I was informed that because the account was closed, all reward points were forfeited. This decision not only disregards the value of the rewards I rightfully earned over two decades, but it also penalizes me for being a victim of frauda risk their policies are supposed to protect customers against. I was given no opportunity to redeem, transfer, or recover the points in any manner. 
This raises serious concerns around fairness, transparency, and ethical handling of customer assets. It is difficult to understand how this outcome aligns with federal guidelines, industry standards, or Capital Ones public commitment to customer protection and fraud resolution.

I respectfully request that the OCC investigate Capital Ones practices regarding account closures following fraud reports and the forfeiture of reward points. I further ask that Capital One be required to provide a clear and just explanation for their actions, as well as a remedy that reflects my long-standing positive account history and entitlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I have requested my original card agreement on XX/XX/year> via a telephone call at XXXXXXXX XXXX. The account is currently closed but less than 3 years old of closureXXXX XXXX XXXX informed me they would not help me or send it to me and just kept repeating the line that someone else is servicing the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation