vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Dear USAA, I apologize for having to file another CFPB complaint, but I am unable to connect with you guys over the phone. Ive tried that for the last few months ( especially in XXXX and XXXX ) and got no help or response. I usually dont get help unless I file a complaint. 
Ive had numerous issues with you previously, and moved all of my money to a secure account. I have had extreme debilitating health issues which have gotten worse over this year one of which is XXXX  XXXX XXXX  in which my body doesnt produce XXXX  ( XXXX XXXX XXXX  ) anymore. And my mother has XXXX XXXX and thats all the family has focused on the last few months. Any tiny bit of stress, such as this, knocks me on my XXXX. 
I am shocked and flabbergasted at what has happened as most of my accounts are always paid in full and via autopay. This should not have happened. I should not have overdraft protection on - I dont believe it for one. Many unauthorized bank withdrawals ( which I will highlight and attach to this message ) and that USAA credit card a majority, if not all, are fraud/ unauthorized transactions ( which I will also highlight and attach to this message ). 
It looks like the credit card hasnt even been used in XXXX months! I went through the statements from XXXX until present! I believe all the transactions that occurred in XXXX were taken care of, but I am not sure! 
On my bank account PDF I didnt download statements. Just looked at all the transaction history from XX/XX/XXXX to current! Highlighted all the transactions but I believe a majority were already taken care of from XX/XX/XXXX until XX/XX/XXXX. But re-highlighting everything I can think of to cover my bases. 
I have called many times in XXXX and XXXX I never received the card! Or any replacement cards! Check the recorded calls! I feel discriminated against because of this! This is abuse! 
And you cut my credit limit in nearly half! Why? 
I am filing a police report this week but you should already have police reports and correspondence/ documents on file. I am a 100 % XXXX XXXX XXXX XXXX XXXX. I can not take this! This is a major lawsuit! You dont help me at all and this continues to happen! 
Please get this fixed ASAP! I am begging you! I have to work with attorneys now to help fix this massive credit mess! My credit was spotless a year ago, and now all this XXXX piled up skyhigh from being severely XXXX having to get surgeries, testing, treatments done, etc. Taking care of my grandparents with XXXX, and my mother who just got diagnosed with XXXX XXXX a few months ago. I really can not take this. Its literally killing me!

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I'm just seeing this now for the first time and I guess it affected my credit score I never noticed until I found that information on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XX/XX/year>, I received a scam phone call trying to get me to transfer funds from my Santander XXXX  account. I closed my account and informed the bank that I thought that this scam was an inside job because they knew alot about my account including how much money I had in the account. I closed my account and the bank said that they conducted an investigation but they did not call me to ask what happened. I do not think they did a serious investigation. I am concerned that the investigation was proforma and that this scam was done by employees of the bank. I filed a complaint with the NY State Department of Financial Services but they told me that they did not have jusridiction and they recommended that I contact the Consumer Financial Protection Bureau. Recently Santander XXXX  sent me a letter to inform me that the investigation was closed and that I needed to go imto a branch to gain access to my online account. This letter seemed very suspicious to me because it was not signed and no name was provided for teh person who sent this letter. I am very concerned that this is part of the same scam.

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 2025-06-10 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: CT

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : 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 2025-06-10 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: CT

Complaint narrative:
I am writing to let you know that Ive been a victim of a data breach or fraud, as outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). Im formally requesting the permanent removal of any fraudulent accounts and incorrect addresses from my credit report. 

Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  XXXX Inquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX  XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Balance : 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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I sent a wire to XXXX of my personal accounts. After every wire chase has decided to do a internal review to the extent that I am on the phone for a goo d XXXX mins everytime. 
On XX/XX/year> i woke up to my wire being cancelled and my account restricted. They decided to place a fraud hold on my account to avoid me accessing my money there was no fraud that took place at all. 
Instead I was hung up on transferred to Many different departments were every person was rude and treated me like I did something wrong. 
I explained this is the only money I had only to be hung up on by fraud dept. 
I went to the branch and was turned away due to lack of help in the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 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 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 non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


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 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 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 2025-06-10 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:
My bankruptcy is dated XX/XX/year>. I have written letters and disputed that they remove it from my credit report, but they never respond. It has been affecting my credit for 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
Dear USAA, I apologize for having to file another CFPB complaint, but I am unable to connect with you guys over the phone. Ive tried that for the last few months ( especially in XXXX and XXXX ) and got no help or response. I usually dont get help unless I file a complaint. 
Ive had numerous issues with you previously, and moved all of my money to a secure account. I have had extreme debilitating health issues which have gotten worse over this year XXXX of which is secondary XXXX deficiency in which my body doesnt produce XX/XX/XXXX anymore. And my mother has XXXX XXXX and thats all the family has focused on the last few months. Any tiny bit of stress, such as this, knocks me on my XXXX. 
I am shocked and flabbergasted at what has happened as most of my accounts are always paid in full and via autopay. This should not have happened. I should not have overdraft protection on - I dont believe it for XXXX. Many unauthorized bank withdrawals ( which I will highlight and attach to this message ) and that USAA credit card a majority, if not all, are fraud/ unauthorized transactions ( which I will also highlight and attach to this message ). 
It looks like the credit card hasnt even been used in XXXX months! I went through the statements from XXXX until present! I believe all the transactions that occurred in XXXX were taken care of, but I am not sure! 
On my bank account PDF I didnt download statements. Just looked at all the transaction history from XX/XX/XXXX to current! Highlighted all the transactions but I believe a majority were already taken care of from XX/XX/XXXX until XX/XX/XXXX. But re-highlighting everything I can think of to cover my bases. 
I have called many times in XXXX and XXXX I never received the card! Or any replacement cards! Check the recorded calls! I feel discriminated against because of this! This is abuse! 
And you cut my credit limit in nearly half! Why? 
I am filing a police report this week but you should already have police reports and correspondence/ documents on file. I am a 100 %XX/XX/XXXXXXXX XX/XX/XXXX. I can not take this! This is a major lawsuit! You dont help me at all and this continues to happen! 
Please get this fixed ASAP! I am begging you! I have to work with attorneys now to help fix this massive credit mess! My credit was spotless a year ago, and now all this XXXX piled up skyhigh from being severely XXXX having to get XX/XX/XXXX, testing, treatments done, etc. Taking care of my grandparents with XXXX, and my mother who just got diagnosed with XXXX XXXX a few months ago. I really can not take this. Its literally killing me!

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 2025-06-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive noticed some unauthorized accounts on my consumer report XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2025 I had phoned bank America again and questioned why account got closed without my consent the agent said she didn't know why. I was offered a settlement and asked I can start with a payment of {$830.00} the the offer to pay lower amount within XXXX months every week til paid off and with this first payment I would get letter in mail I never received any mail, email, or call. I called EVERY DAY to asked what happened to my account also to the person said she could not find an agreement and the {$830.00} was taken as a regular payment. This is very frustrating for me I have been calling everyday on XX/XX/2025 I get an online settlement offer by chance as I accept I get my phone camera and start video recording as I go step by step I also accepted an eft draft to take place on same day XX/XX/2025 understanding it can possible take few days to happen well I continued to call and asked if it was getting processed and was told yes by end of week I called again to let them know it was no deducted when agent answered phone he said call was being recored I said ok and asked if he mind if I also record this call he said it was fine as he looked into the account he stated that he sees the date stamp and time of agreement XX/XX/2025 and doesn't know why b of a did not do deduction as all paper work was received I have recording of call plus video of me accepting settlement also email they sent me. As of this day I still have not received any mail or correspondence of any kind I sent certified mail and proof of all attached pages. I don't want my credit to go bad as I paid always on time please see attached

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 2025-06-10 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: CA

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
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 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/year>

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account appeared on my TransUnion credit file without any warning, consent, or opportunity to validate the claim. I had already canceled the original account with the service provider ( XXXX ) after failure to deliver service. I am demanding immediate deletion of this entry, as it is inaccurate, incomplete, and illegally reported. 

TransUnion had no legal basis to place this negative mark without verifying the source, consent, or full record especially given prior disputes and termination history. I believe this entry was added in retaliation for legal action I am taking against a connected apartment complex. All such accounts must be fully removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX * * * * Balance : {$480000.00}

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Sentry Credit, Inc.
State: GA

Complaint narrative:
Im trying to get the XXXX removed from my credit they used sentry credit to place an collection for the amount of {$7000.00} plus for damages but I didnt have any damages to the apartment just left the furniture there because the apartment failed to give us a new unit and my wife kept getting XXXX XXXX XXXX XXXX and they told us to move out in XX/XX/XXXX of XXXX we just paid the rent on the XXXX of XXXX but now the XXXX has a new management and employment team and they dont use sentry credit anymore they now use XXXX  I tried reaching out to XXXX  but they dont have anything on my file and sentry credit state that they sent me a validation email/letter but I didnt receive anything in the mail and the last thing Ive emailed sentry credit about is XXXX money orders I took out in XXXX of XXXX but cashed it in on XXXX of XXXX in case of emergency since money orders doesnt expire.

Company response to consumer: Closed with explanation