vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is entirely unacceptable, as it reflects false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is causing me substantial harm and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
I had fraudulent activity through my USAA account in XX/XX/year>. I thought it was handled and this week USAA reversed their decision and took money back out of my account, without warning. I have called several times asking for more information and was only told they would open a new investigation. They state the fraudulent charge was found to be valid due to the fact my address was listed as the shipping address. There was not a delivery confirmation. USAAs system was breached and this was result of fraud. I am not at fault and did not make this charge. My account is now almost {$8000.00} negative due to this issue. I have been with them for almost XXXX  years and I no longer trust their services or ability to take care of my money.

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 monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint to request the immediate removal and permanent blocking of unauthorized and fraudulent items from my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) specifically, Section 605B ( 15 U.S.C. 1681c-2 ) regarding identity theft and Section 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) concerning inquiries made without permissible purpose.

I am a victim of identity theft. The following accounts and/or inquiry were opened or made without my knowledge or authorization and are not associated with any legitimate activity on my part : Accounts to Be Blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to request the immediate removal and permanent blocking of unauthorized and fraudulent items from my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) specifically, Section 605B ( 15 U.S.C. 1681c-2 ) regarding identity theft and Section 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) concerning inquiries made without permissible purpose.

I am a victim of identity theft. The following accounts and/or inquiry were opened or made without my knowledge or authorization and are not associated with any legitimate activity on my part : Accounts to Be Blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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

Complaint narrative:
Recently, I discovered that my personal identifying informationsuch as my name, address, Social Security number, employment data, and other sensitive recordsmay have been accessed or exposed via LexisNexis Data Breach and its affiliated data aggregators without my knowledge or consent. I have reason to believe this data exposure has contributed to fraudulent activity, unauthorized credit inquiries, and other misuse of my identity. I do not recognize the accounts listed below XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'Dear CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX) has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \XXXX XXXX  \XXXX  \XXXX XXXX XXXX, Tx. XXXX   \nXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit 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: NC

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is entirely unacceptable, as it reflects false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is causing me substantial harm and concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: GA

Complaint narrative:
I am writing to file a formal complaint against Hunter Warfield regarding an alleged debt they are attempting to collect on behalf of XXXX XXXX, XXXX ( {$9700.00} ). I have never had a service account or authorized service with XXXX XXXX, XXXX, nor have I received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite never receiving any bills, notices, or communication from XXXX XXXX, XXXX or Hunter Warfield regarding this alleged debt, I recently became aware that Hunter Warfield has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement with XXXX XXXX, XXXX, and have not been properly notified or given the opportunity to dispute or verify the debt. This collection activity XXXX constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX ) Attempting to collect a debt that is not owed XXXX ) Failing to provide written notice within XXXX days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : 1 ) An immediate investigation into this account. XXXX ) A copy of any and all documentation Hunter Warfield or XXXX XXXX, XXXX claims supports the validity of this debt. XXXX ) XXXX cessation of all collection activities until this matter is resolved and validated. XXXX ) Removal of any negative entries from my credit report related to this account if it has been reported. XXXX ) Written confirmation of the resolution of this matter. Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.

Complaint narrative:
I am submitting this report due to inaccuracies on my credit report stemming from a system error, as confirmed by Equifax, which resulted in my personal information being leaked and used improperly. Ive been denied credit because of this issue, and I request immediate correction within XXXX business days.

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

Complaint narrative:
I am following up on my call with Equifax today regarding a XXXX XXXX XXXX ( XXXX ) account. The representative confirmed the account is visible internally to Equifax but not visible to me on my consumer-facing credit file yet it is still impacting my credit score. 

This is a hidden reinsertion of unvalidated debt. XXXX previously and continuously fails to validate this account in multiple disputes and validation requests. The account was deleted on XX/XX/XXXX after investigation with the original creditor, XXXX XXXX, and should not have been reinserted without compliance with FCRA 611 ( a ) ( 5 ) ( B ), which requires both : Furnisher certification that the information is complete and accurate. 

Written notice to the consumer within XXXX business days of reinsertion. 

No such notice was provided. Keeping an account hidden from my consumer disclosure while allowing it to affect my creditworthiness is deceptive, harmful, and inconsistent with FCRA 607 ( b ) ( maximum possible accuracy ) and 609 ( a ) ( full disclosure of all information in the consumers file ). 

In XXXX v. Equifax, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), Equifax was found liable for failing to perform a reasonable reinvestigation after receiving a dispute, with the court noting that automated reinvestigations are inadequate when complex issues such as debt ownership or lack of validation are present. This is exactly the scenario here Equifax is maintaining an account internally without providing it to me for review, without permissible purpose under 604, and without any evidence of proper reinvestigation. 

Experian, reviewing the same facts, deleted this account immediately. XXXX refusal to take similar corrective action warrants investigation and remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AC AutoPay LLC, Denver, CO Branch
State: NE

Complaint narrative:
XX/XX/2025 : I submitted what I believed to be a pre-qualification with AutoPay for an auto refinance as I was shopping for rates. The main webpage states 'See qualified offers with no impact to your XXXX score ' in prominent font directly above the 'Get Started ' button. Since I was seeking a refinance, I made sure to select the XXXX XXXX option that was associated with another link on their page, assuming the 'no impact to your XXXX score ' was valid across their products/services. 

I filled out the form, excluding my SSN, and hit submit which was quickly followed-up by notifications from credit monitoring services I have enrolled in stating a lender had conducted a hard pull on my credit. I thought, " Well, this is odd. I didn't authorize that and their website stated otherwise. '' Turns out, AutoPay has a 'partnership ' with the credit reporting agencies and if you exclude information from an application, the use your other personally identifiable information to determine your SSN and provide that to whichever lenders you work with. This, of course, is not mentioned anywhere other than the fine print in their 'Terms '. 

I sent an email requesting both the banking institution and AutoPay act to remove the inquiry from the credit reporting agencies. It was after hours for the XXXX XXXX XXXX XXXX XXXX but I did speak on the phone to a gentleman from AutoPay. I was informed they would not make any effort to remove the inquiry and my efforts with XXXX XXXXXXXX would be a waste of my time as well. 

Fortunately, this gentleman did follow-up providing me with a couple screenshots of their 'Terms ' to re-iterate their standing. However, I believe this supports my claim in their misleading and deceitful marketing. 

Additionally, I have contacted the credit reporting agency requesting the removal of this inquiry myself and disputing its legitimacy and that is currently pending at the time of writing this report. I will be contacting the XXXX XXXX in the morning.

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

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not apply for these accounts. They are not mine, and I request their removal within the XXXX window per USC 1681g . Ive included evidence for review.

Company response to consumer: Closed with explanation