vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
After checking my report, I found numerous accounts and Inquiries that I have never given my consent to report. The fraudulent accounts are. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I am filing this complaint against USAA, specifically regarding their handling of my insurance policies and associated funds. This is a continuation of CFPB Complaint ID XXXX, originally filed on XX/XX/year>, regarding account inaccessibility due to their flawed two-factor authentication system. 

Once I regained access, I uploaded a signed letter on XX/XX/year>XXXX  via USAAs secure portal requesting the immediate cancellation of all active insurance policies, including : Auto insurance policy ( Policy # XXXX XXXX XXXX ) Homeowners insurance policy Umbrella policy I stated I had secured replacement coverage and requested a prorated refund of any unused premiums, estimated at {$1200.00}. 

Instead of honoring this, USAA : Issued new policy documents dated XX/XX/year>, including billing changes to my umbrella policy Failed to cancel the home and umbrella policies despite explicit written instruction Did not refund any premium funds owed to me On XX/XX/year>, I received a voicemail from XXXX ( ext. XXXX ), an " advocate '' from the CEO 's office, who mischaracterized my issue as one of account access rather than policy cancellation or refund delay. I returned her call the same day and left a detailed voicemail requesting confirmation of cancellation and refund. No response. 

Between XXXX, I also received voicemails from two other USAA representatives, none of whom followed up after I returned their calls. 

I have also contacted : XXXX XXXX XXXX XXXX ( case still open ) The Texas Department of Insurance On XX/XX/year>, I sent a final escalation email to Executive Resolutions and Member Services, including XXXX XXXX XXXX, restating my demands : Immediate cancellation of all policies Written confirmation of cancellation Refund of all unused premium balances USAA has failed to act in good faith. The issue began with access barriers but now reflects deliberate financial withholding and refusal to acknowledge a formal cancellation directive. This is unacceptable.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The addresses that appeared on my report is inaccurate. I would like to request for removal of the incorrect addresses. I've attached on the letter my correct address and proof.

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 2025-07-29 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I called every number I could find. The only department you can actually speak to a person is disputes. They just forward you back to the automated system that refuses to transfer you to a person and then the system will auto disconnect you. Ive moved, new cell phone, etc. You have to enter the phone attached to your original freeze ( which is no longer valid ), so you cant get a text or call to verify your identity. Just a big mess and no help in site.

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 2025-07-29 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:
I am writing to raise a serious concern regarding unauthorized access to my credit report by several companies. These inquiries have negatively impacted both my credit and overall credit score. I previously contacted your agency and was assured by a representative that the unauthorized inquiries would be removed. To date, this has not been done, which is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply troubling and may indicate identity theft. This unresolved matter is causing ongoing emotional distress and financial harm.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NY

Complaint narrative:
Issue : Promotion Bonus not received Company : Netspend Corporation XXXX address associated with my Netspend account : XXXX Complaint : On XX/XX/year>, I signed up for the promotional offer on the Netspend website : https : //www.netspendXXXX. The promotion clearly stated that I would receive a {$200.00} bonus after signing up for a Netspend debit account and receiving a direct deposit of {$400.00}. 

I completed all the required steps on XX/XX/year>. According to the terms on the offer page, the {$200.00} bonus was supposed to be credited to my account within 5 business days, which would have been by XX/XX/year>. 

I contacted customer service, and they confirmed that I was eligible and that the bonus would be deposited by the end of the day on XX/XX/year>. However, it is now XX/XX/year>, and I still have not received the {$200.00} bonus. In addition, customer service has not responded to my recent follow-up email regarding this issue. 

I have attached supporting documents, including : Screenshots of the promotional offer page Confirmation from customer service regarding eligibility and timeline Requested resolution : I am requesting that Netspend immediately credits the {$200.00} bonus to my account as originally promised under the terms of their promotion. 

Thank you for your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding inaccurate and inconsistent information being reported on my credit report. 

I submitted a direct dispute to XXXX, providing a full 3-bureau credit report where I highlighted the inaccurate reporting. However, they refused to investigate, claiming that I did not provide sufficient information. 

The account in question ( Account # XXXXXXXX XXXX XXXX XXXX ) is being reported inconsistently : TransUnion shows no late payments but reports the account as charged off and open. 
XXXX  shows multiple late payments ( 30 and 60 days ), marks it as charged off, and lists the account as closed and disputed. 
XXXX  does not list the account at all. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper investigation of disputes. I am requesting the CFPBs help to require a full reinvestigation or removal of unverifiable and inaccurate information from my credit reports. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Supporting documents provided : My marked 3-bureau credit report and a formal dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: DISCOVER BANK
State: TN

Complaint narrative:
I am filing a formal complaint against Discover Card regarding 39 months of unauthorized charges on my account totaling {$1500.00}. These charges were made by XXXX, a merchant with whom I had no active agreement after XX/XX/year>, when my Discover card expired. 

Initially, Discover correctly identified the charges as fraudulent and issued credits. However, in XXXX, they reversed their position and sided with the merchant, reinstating the charges for the full $ XXXX clear evidence that XXXX used expired card information without my consent. 

Key Issues : My Discover card expired in XX/XX/year>. I did not update payment information with XXXX, nor did I authorize any continued billing. 
Despite this, XXXX continued to charge {$26.00} per month using the expired card. 
Discover continued to authorize these transactions, failed to notify me, and did not flag this activity as suspicious. 
This raises serious concerns about Discover 's security practices and its responsibility to protect consumers from unauthorized billing. 

Discover claims to prioritize cardholder security, but their actions contradict this commitment. Authorizing charges on an expired card without user consent demonstrates a failure in fraud prevention and a breach of consumer trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/XXXX, Capital One allowed a {$790.00} fraudulent charge to go through on my account. Ive disputed it twice and was denied without a clear explanation. Ive waited a total of 30 days, just for the claim to be denied again! I never authorized this transaction, have no connection to the merchant, and submitted supporting documents. They are refusing to return my money and wont escalate the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CBC Companies, Inc.
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-29 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: 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.

Everything on FTC and PDF is fraud Remove immediately! 
15 USC 1681c-2 I did not authorize. Block Remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am disputing an auto loan account with Wells Fargo Bank that was paid in full and closed with a {$0.00} balance on XX/XX/year>. Despite the account being closed and having no outstanding balance, it is still affecting my credit score. 

The account should no longer be impacting my credit profile, but it appears to be reported in a way that suggests it is still active or derogatory. I believe this may be due to inaccurate or outdated reporting. I have contacted the credit bureaus and/or Wells Fargo Bank to resolve this issue, but the issue has not been resolved or corrected. 

I am requesting that this account be accurately updated or removed to reflect the true and current status -paid in full and closed-so that it no longer negatively affects my credit report.

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 2025-07-29 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am filing a complaint against both TransUnion and Equifax for reporting inaccurate, incomplete, and conflicting information regarding an auto loan account from XXXX XXXX XXXX ( Account # XXXXXXXX XXXX ) XXXX XXXX on my credit report. 
TransUnion is reporting the account as Open and Charged-Off, which is contradictory. It also fails to show the full payment history and does not reflect that the account is in dispute. 
Equifax is reporting the account as Closed and Charged-Off, with late payments reported in XXXX, XXXX, and XX/XX/year>, but provides no evidence or validation for those delinquencies. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate, complete, and verifiable. Both bureaus are providing inconsistent and damaging data that harms my credit profile.

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 2025-07-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
On Tuesday, XX/XX/year>, CashNetUSA called me four times within one minute by calling, ending the call, calling again, ending the call again, calling again, ending the call again, and finally calling one more time and calling again. I believe this is strong evidence of harassment under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits repeated or continuous phone calls with the intent to annoy, abuse, or harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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: NM

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively impacting my life and credit score, preventing me from achieving financial freedom and stability.

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