vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding several accounts that are inaccurately reported on my credit report with Experian. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$420.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$110.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On or around XX/XX/year> USAA unilaterally closed my checking account without providing : Written notice of the closure ; A specific adverse-action reason ; Instructions for retrieving or transferring the remaining funds in the checking account ; Any documentation supporting or explaining the decision ; Confirmation of whether the closures were reported to XXXX, credit bureaus, or other reporting systems. 

When I contacted USAA through customer service channels, including I was repeatedly told that the bank can not disclose the reason or that the closure was simply a business decision. 
This refusal directly affects my access to my own funds and impacts my credit and financial 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
Consumer complaint received 2025-11-19 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:
Dear Sir/Madam, I am filing a dispute regarding the following accounts in my credit report. These accounts are showing as charged-off, and I believe there are discrepancies that need to be investigated. 

CHARGED OFF XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Inspect the materials, please ; the inquiries came without warning and may not be validated.

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 2025-11-19 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Debt Collectors International, Inc.
State: TX

Complaint narrative:
I am being harassed by a company called Debt Collectors International , Inc. regarding an alleged debt tied to a rental unit from XXXX XXXX. I am disputing the debt, and the collector is violating multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ). 

Here is what happened : The rental unit from XXXX XXXX was uninhabitable ( no AC, dust mites, and unsafe conditions ) and caused me to develop XXXX and a XXXX XXXX that required medical treatment. 
Because of these conditions, I left the unit and my bank investigated the situation and refunded me, agreeing that the charge was validly disputed. 
No debt is owed, as the bank ruled in my favor based on the uninhabitable conditions. 

However, the collector is still contacting me and violating numerous consumer protection laws : They never mailed the legally required written validation notice within 5 days of first contacting me. 
They sent threatening and harassing emails accusing me of fraudulent inducement and criminal theft of services, which are false and illegal threats. 
Debt collectors are not permitted to threaten criminal action, yet this collector repeatedly did so. 
They CCd the property owner on the email, exposing my information and violating privacy. 
They emailed photos of my passport and government-issued ID, which is a serious misuse of sensitive personal information and appears intended to intimidate me. 
Their emails included inconsistent amounts, contradictory statements, and aggressive language that appeared AI-generated or template-generated. 
Their representative identified himself as a Senior Claims Agent, not an attorney, yet made legal threats outside his authority.

They continue attempting to collect an amount that is not legally owed, and they have not provided any proper documentation or validation.

I am requesting CFPB investigation for : Failure to provide proper debt validation Harassment and intimidation False legal and criminal threats Misuse and transmission of my ID/passport Privacy violations Misrepresentation of the debt Coordinated harassment with the property owner Attempting to collect a debt that is not owed This situation has caused significant distress, and I request that all collection activity be halted unless full, legal validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have a credit card with TD Bank on two occasions they tried to tell me I had insufficient founds to pay my account the most recent time I paid my account early on XX/XX/XXXX the payment was due on the XXXX l checked the website on the XXXX and they said the payment was returned for insufficient founds contacted my bank and they said they had no record of the attempted transaction and that I had more than enough money to make the payment, contact TD Bank and got the run around the first lady tried to tell me I used a different account number but she couldn't give me the number I asked for her supervisor and she told me it was the correct account number but it was returned for insufficient founds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I went to the dealership to try and finance a vehicle. I was told that the repossession from XX/XX/XXXX is showing negative on my credit report. This was a voluntary repossession that was given back to credit acceptance on XX/XX/XXXX. I have also filed bankruptcy since then and reached out to the company letting them know that I have done so. When I him to speak to a manager and their bankruptcy department they refused to let me speak to either. I also asked for debt verification letter, they also refused. I have disputed this with the three credit bureaus and asked for documentation to submit from credit acceptance. They also refused. Also never received a callback from a Manager as I was told I would.

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 2025-11-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I disputed collection they agreed to remove debt but never removed it they have violated my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing several inaccurate items on my credit report that resulted from identity theft following a data breach. These include fraudulent accounts, and inaccurately reported late payments. I am providing my government-issued ID, proof of address, and an FTC Identity Theft Report. These items were not authorized by me and are being reported incorrectly, which violates FCRA 605B, 611, and 623. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Identity theft please block and delete under FCRA 605B. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Identity theft please block and delete under FCRA 605B. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Identity theft please block and delete under FCRA 605B. 

Inaccurate Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I was never notified of this collections debt prior to it hitting my credit. When I became aware of the debt, I paid it with the understanding that the account would not show on my credit report anymore. Caine and Weiner led me to believe this account was to be fully deleted from reporting to my credit upon issuing payment. Please make this right by deleting the account from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Dear Sir/Madam, I am filing a dispute regarding the following accounts on my credit report. I believe there are discrepancies in the reporting of these accounts and I request that these be thoroughly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$720.00} Discrepancy : Please confirm the current balance and ensure it matches with the original creditor 's records. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account was charged off but is showing a balance of {$0.00}. Please verify the balance. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Discrepancy : The reported balance needs verification as it XXXX not accurately reflect the original amount. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Discrepancy : Please investigate the accuracy of this accounts reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
XX/XX/XXXX I requested a current informational mortgage statement. The one they sent was a statement back from XX/XX/XXXX. 

XX/XX/XXXX contacted the company and was given an email address and a current informational statement would be sent. 
XX/XX/XXXX loan XXXX contacted the company and told her to tell me to sign a document, The document was signed that day. Nothing was sent XX/XX/XXXX requested an informational statement XXXX sent to me was the statement from XX/XX/XXXX I have spoken to countless staff and my mortgage company since mid XXXX and have been given nothing but the run around. 
I need the current statement for a loan I desperately need

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-19 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> I was on Kohl 's online trying to make a purchase with my Kohl 's credit card. A message popped up stating that a new credit card was issued. Since I did not receive a new card I called the phone number on the back of my card, XXXX. I received a message that the new number is XXXX, which is Capital One. 
The first representative I spoke with couldn't match my social security number, birthday and name with their system but wouldn't provide additional information. The second or third representative matched my social security number, birthday and zip code with a Capital One card but the card was not in my name. Since everything except my name matched and I never received a card I asked for that card to be cancelled. I don't know if the representative did so. All of the representatives had heavy accents and were hard to understand. I was permitted to speak to a supervisor who eventually told me I would have to file a complaint with Capital One and contact Kohls for the card number because something went wrong during the Kohl 's card conversion to Capital One credit card. 

I only found out about this missing credit card a few hours ago. I immediately followed up and tried to stop any fraudulent activity. It's been almost 3 hours of phone calls and Capital One is of little help. I would like ANY Capital One credit card associated with my name and/or social security number to be cancelled immediately. I would like confirmation of this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, at around XXXX XXXX, I attempted to log into my Chase account and was unable to do so. I called Chase for assistance and was informed that my account had been closed, without any explanation. I was told that my wife could keep the account open only if I was removed from it. This does not make sense, as I am the primary person who deposits money into the account. 

I repeatedly asked for the reason behind the closure, but no one would provide one. My concern is that this situation may be reported to XXXX without giving me any opportunity to understand or dispute the issue. I believe it is unfair and irresponsible for Chase to share negative information about me without offering any evidence or allowing me to respond. 

I want to dispute any negative reporting, but I am unable to do so without access to the information or knowing the basis for their decision. For context, my account went negative earlier today, and I corrected the balance within approximately XXXX hours by transferring money from another account. To my knowledge, this was the first time the account had ever gone negative. 

I am requesting that this matter be reviewed and that any negative entry on my record be removed.

Company response to consumer: Closed with explanation