vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX  XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, a consumer 's credit file XXXX only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA XXXX ( XXXX U.S.C. XXXX ), when a consumer submits a report to the Federal Trade Commission XXXX FTC ) identifying disputed information, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA XXXX ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met. 

As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts that are presently appearing on my credit report. These accounts were never authorized or created by me and represent false, inaccurate, and harmful information tied to my name. Their inclusion is a direct violation of my right to fair and accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
I am disputing a {$9200.00} charge on my USAA credit card for goods ( doors ) never delivered by the merchant, XXXX XXXX  XXXX. 

USAA mishandled this dispute by repeatedly misclassifying it as services rendered instead of non-receipt of goods, despite clear documentation. I responded to every request on time, but USAA delayed, failed to follow through, and eventually denied my claim citing the XXXX timeframe after their own mishandling caused the delay. 

Key Timeline : XX/XX/year> Dispute filed for non-receipt of goods. 

XX/XX/year> USAA requested info by XX/XX/year>. 

XX/XX/year> I responded : doors never received. 

XX/XX/year> USAA asked if resolved with merchant. 

XX/XX/year> I responded : not resolved. 

XX/XX/year> USAA denied claim, saying services rendered. 

XXXX I called several times ; each time dispute was reopened and callbacks promised but never delivered. 

XX/XX/year> USAA left voicemail saying dispute exceeded 120 days and nothing more could be done. 

Issues : USAA misclassified this as a service dispute, ignoring that goods were never delivered. 

USAA delayed and failed to provide callbacks, despite repeated assurances. 

USAAs denials were based on irrelevant services rendered language. 

USAA cited the 120-day limit only after their repeated internal errors caused the delays.

This mishandling constitutes a violation of Regulation Z ( Truth in Lending Act ), which requires timely and fair investigation of billing disputes.

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 2025-09-08 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 non-monetary relief
Consumer complaint received 2025-09-08 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 ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Wells Fargo regarding a serious issue involving unauthorized activity on my account and subsequent mismanagement of the situation by the bank. 
On or around XX/XX/year>, unauthorized transactions or claims were made using either my phone or my bank information. I was completely unaware of this activity until approximately three to four weeks later. Upon discovering the issue, I immediately contacted Wells Fargo to report the situation and seek assistance. 
During my conversation with a Wells Fargo representative, I was informed that my account was scheduled to be closed on XX/XX/year>. I was advised to withdraw all remaining funds before that date, which I promptly did in accordance with the bank 's instructions. 
However, approximately two weeks later, I discovered that my account had gone into a negative balance. When I followed up with Wells Fargo, I was told that the account could not be closed until the negative balance was repaid. I explained that I had not authorized the transactions in question and that they occurred without my knowledge or consent. 
Despite my attempts to resolve the matter and clarify that I was a victim of unauthorized access, Wells Fargo has not provided a satisfactory resolution. I believe I have acted in good faith throughout this process and followed the banks guidance. It is unfair to hold me financially responsible for charges that I did not authorize.

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 2025-09-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
SEE ATTACHMENTS. As of XX/XX/year> XXXX  Data Breach on XX/XX/year> exposed XXXX XXXX  consumers and exposed my consumer personal information. I submitted An AFFIDAVIT OF DISPUTE & NOTICE OF DEMAND FOR DELETION pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692., the Truth in Lending Act ( TILA ), 15 U.S.C . 1601., the Uniform Commercial Code ( UCC ), Texas Finance Code Chapter 392, and Consumer Financial Protection Bureau ( CFPB ) enforcement authority FOR multiple fraudulent, inaccurate, and unverified accounts being reported on consumer credit file by Experian. Experian then violated my rights and Reinserted files from credit agencies. this reinsertion should not occur without compliance with FCRA 1681i ( a ) ( 5 ) ( B ). If Experian reports any account as verified without producing XXXX  response records and original supporting documentation ( contract, payment history, billing notices ), this constitutes willful or negligent noncompliance under FCRA 1681i and 1681e, and a breach of presentment requirements under UCC 3-501. A proper Investigation was never done.

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 2025-09-08 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blackwater Capital Group LLC.
State: WI

Complaint narrative:
The collection agency called and said left a message with one of my contacts that I have a pending claim for a judgment or garnishment for a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Starting with XXXX  XXXX XXXX, I disputed a few transactions because of fraud that was happening on my account that put my account into the negative. Mind you I couldnt work to even put my account into the positive because I was injured recently and hospitalized, but the issue was that while they were investigating the fraud, my mother who sent me {$200.00} through XXXX on accident because she didnt know my account was in the negative and under investigation ; I then called fraud and said Id like the XXXX XXXX form my mother of {$200.00} to be sent back because it was an accident. I spoke on the phone with a fraud agent from XXXX XXXX XXXX already and I was advised not to use the account until the investigation is done. Few days passed and I get a email and call saying my account has been terminated from XXXX  XXXX XXXX. I then needed to open an checking account so I went with Chase Bank, while I was opening the account, the assistant at the XXXX  XXXX XXXX in XXXX, XXXX, Massachusetts was helping me start up account, there werent terms that were given to me or notified but was told to quickly sign and rushed to the next step to start my account. After adding funds and sent funds from my family and friends because XXXX cant work at the moment. Within the first week I was able to use XXXX to receive money and after a few days I was told on the XXXX XXXX App that XXXX service was not available to me, indicating the situation that happened over with XXXX  XXXX XXXX has lead over to Chases banks XXXX because the XXXX banks use the same service for sending and receiving money. So my problem is that XXXX  XXXX XXXX somehow got me banned from XXXX because I requested to dispute the {$200.00} that my mother sent me that I never received back. I over drafted like $ XXXX {$3.00} off and I quickly went to put money back into the account the same day. Using my card like normal I get a notification today XX/XX/year> that my account has been locked and that I needed to call customer service in order to use the card again. During the call, within a minute the agent addresses that they are moving forward with closing my account without a reason, without answers. I know that if I open another account with another bank there would be the same issue with them because they can NOW see I have XXXX terminations on my record which I have no clue or answers for. This will mess up my future for banking and if I banked with another bank I could also be unable to bank with them for life. I also think that they terminated me because I tried to connect my Chase account with CoinBase ( A cryptocurrency app ) which they do not support. I couldnt work because of an injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I, XXXX XXXX, am reporting that I have been the victim of identity theft. I recently discovered that someone has used my personal information without my permission to open or attempt to open multiple credit card accounts and to secure a loan. The fraudulent activity includes the following : XXXX XXXX Attempted credit card application on XX/XX/XXXX XXXX  XXXX XXXX XXXX credit card application on XX/XX/XXXX TD Bank Attempted credit card application on XX/XX/XXXX XXXXXXXX XXXX XXXX Fraudulent credit card application on XX/XX/XXXX XXXX XXXX Attempted loan application on XX/XX/XXXX These accounts were not opened or authorized by me. I am requesting that the appropriate steps be taken to investigate and resolve this matter, including the removal of any fraudulent accounts or inquiries from my credit report. 

I have also filed reports with the relevant credit bureaus and law enforcement authorities regarding this identity theft. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief