vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
It is a credit card account I have had for a few years, and asked for a replacement card because the previous card was having issues when using it in physical stores. It had a new expiration date and XXXX, and came with papers indicating that it needed to be activated. I received the card in XXXX. I have reason to believe I activated it online, but I can't remember specifically. I did not use it in physical stores and only started using it in XXXX when I used it online at a website I never visited before. It worked and was charged multiple times for a service I authorized. Since I never used it in store, on XX/XX/XXXX I checked that it was activated with their online app, and it confirmed that it was before trying to use it at a physical store just this week and it was declined. I used it again the next day at the XXXX website, which I have not used that card previously, and it worked. I called the provider, and they told me it was never activated, and they activated it for me in that moment. I expressed my concern that I was able to use this card for multiple purchases online before it being activated, and if that was normal. They confirmed that it is, but this seems like a security issue to me. How can the credit card be used online before it is activated? They expressed that most credit card fraud is done online. I agree, but I assume that it is with an already activated card, or someone activated it fraudulently, not a card that had not been activated at all. I tried to explain my concern and my knowledge that credit cards are not supposed to be able to be used at all when not activated. I was transferred to a security personal to " set up a password '' for extra security, but I did not ask for that service. I tried explaining the situation to the security personal, but they just repeated that it was normal. I asked specifically " So if you mail me a new card, that card can be used online before it even gets to me and I activate it? Any person can take the card and use it online without activation? '' She agreed and explained most fraud is committed online and I should set up a password. I asked if they informed their customers that their cards were already active in the mail, and needed to set up a password to protect it from fraud, and she said no. She explained to me that what I was asking, that a card can't be used online until activated, was not possible, but I know that it is. It's simple coding. It's the way other credit cards have always worked for me and others in the past. This is a huge security isssue for all customers if this is the truth.

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 2025-07-13 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: CA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year>, I was charged on my Macys XXXX credit card for a product that was never delivered. I disputed this with Macys in XXXX, and at least 6 different times thereafter ; but they never provided any documentation supporting the charge or proof of delivery. They eventually closed my account after ignoring multiple follow-ups from me via phone requesting records of the delivery, the dispute or any supporting materials. 

Despite never receiving the product, the account was sent to collections and is now appearing on my credit report. I have asked the debt collector to validate the debt, but no documentation or proof has been provided.

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 2025-07-13 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: NJ

Complaint narrative:
Equifax did not conduct a proper investigating into these accounts. Equifax reported inaccurately on my credit report and did not verifying accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank has reported a 30-day late mortgage payment to XXXX  on XX/XX/year>, which is both inaccurate and financially harmful. 

I spoke with a PNC representative in late XX/XX/year> to inform them that I would be assuming payment responsibility and requested an extension to allow for income deposit and payment arrangement. PNC confirmed in a written notice dated XX/XX/year>, that they were holding a {$1500.00} payment, and only {$780.00} remained to complete a full payment. 

I mailed the remainder on or around XX/XX/XXXX, via USPS Priority Mail with tracking, prior to the late payment being posted to my credit report. At no time did PNC notify us that this payment would not be applied retroactively or that it would trigger derogatory credit reporting.

PNCs failure to apply the partial payment to the May payment ( which was in arrears ), or to notify us of their intent to report a XXXX delinquency while holding payment, constitutes negligent servicing and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ).

I am also including a Power of Attorney document authorizing XXXX XXXX XXXX to act on my behalf in all communication and dispute matters related to this loan. 

This reporting threatens my ability to refinance, retain housing, and protect family assets. PNC must remove the derogatory mark and acknowledge the account as in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA mailed to me three notices of account closure between XXXX. USAA said that they would close my personal checking, savings and credit card account. USAA in XXXX, XXXX let XXXX XXXX XXXX append himself to my personal checking account. I do not know this individual and did not permit him to access my account. I have been a USAA customer for 28 years. In XXXX of XXXX I was a victim of identity theft. XXXX appended himself to my USAA personal cheecking account, and created a statement that said he resided at my home in XXXX XXXX, CA even though he first produced an address that stated he lived in XXXX, CA. Then on XX/XX/XXXX, he submitted an amended signature card to USAA by forging my name. USAA accepted XXXX XXXX forged signature card. 

USAA did not notify me when XXXX first initiated his account takeover in XXXX of XXXX. Later I received a notice " that XXXX added me to his account '' ; this was not true. XXXX added himself to my personal checking account and used my funds. I disputed XXXX 's charges on my account with USAA and they refunded some of his charges. 

I initiated a police report on XXXX from the XXXX XXXX Police Department which was sent to the XXXX Police Department. I also sent a copy of this report to USAA ( XXXX ). When I discovered the forged signature card on XX/XX/XXXX, I called USAA Fraud and told them to remove XXXX from my account. USAA said that this would be done in 7-10 business. On XX/XX/XXXX, I again saw XXXX 's name in my account and called USAA Fraud again to see why his name was still on my account. USAA said that they had accidentally dropped my investigation but would move to remedy my situation. 

USAA 's horrific handling of an attempted takeover of my account and their delayed action caused me to fall victim to scammers and cost me {$30000.00}. Why would I trust a banking institution that can not keep predators out of my banking accounts and would accept a forged document?

Needless to say, even though I am a victim, USAA is treating me like a perpetrator by cancellingthese three accounts. USAA completed this account closure action on XX/XX/XXXX even though I have auto and homeowners insurances with USAA which are now going to be difficult to pay without a USAA account. I am a senior and disabled veteran and never thought I would be treated this way by USAA, a military bank.

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 2025-07-13 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Company : Citizens Bank Issue : Unauthorized hard inquiries Date of Incidents ) : XX/XX/XXXX, XX/XX/XXXX Citizens Bank made two unauthorized hard inquiries ( XX/XX/XXXX and XX/XX/XXXX ) without my consent or a credit application ( FCRA 1681b ). These inquiries are fraudulent and must be deleted. The bank has failed to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX VALIDATION FROM TRANSUNION RE : IMMEDIATE DELETION REQUEST FOR ACCOUNT ACCOUNT XXXX XXXXXXXX To Whom It May Concern : I, XXXX XXXX XXXX, am formally disputing the accuracy and validity of the negative account currently being reported on my TransUnion credit report under Account Number XXXX, allegedly furnished by XXXX XXXX. 
As part of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I previously submitted a formal debt validation request directly to XXXX XXXX, as I have the right to request full verification of any alleged debt being reported against me. 
XXXX XXXX failed to provide ANY form of validation and returned my original validation request. My local United States Postal Service ( USPS ) branch witnessed and documented the mailing and the return of this letter, and they can confirm all facts regarding this transaction.

Because the furnisher of this account has failed to validate the debt, I am demanding that TransUnion IMMEDIATELY delete this unverifiable and disputed account from my credit file under FCRA Section 611, which requires the removal of inaccurate or unverified information.

If TransUnion continues to report this account despite XXXXXXXX XXXX inability or refusal to validate it, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office for failure to comply with federal reporting laws.

This is a final request to delete the account from my file and to update your records accordingly. 
Sincerely, [ Signature ] XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with Experian regarding a negative item on my credit report. On XX/XX/year>, they emailed me stating the item was verified as accurate, but failed to : Identify which account was verified Name the furnisher who verified the data Provide any documentation or explanation This violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ) ( B ) ( iii ), which requires them to provide a description of the procedure used to determine accuracy, along with the furnishers name and contact information. 

I mailed Experian a Method of Verification letter previously and just prepared a second formal demand, which Im sending certified mail. If they can not verify the account with proper documentation, they are legally obligated to delete it under FCRA 611 and 623. 

I am requesting : A full Method of Verification, including furnisher name and verification procedure Deletion of any unverifiable items Full written resolution I am prepared to escalate this to the FTC and my State Attorney General if Experian continues to ignore their responsibilities under the FCRA.

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 2025-07-13 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: VA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Calvary Portfolio Services Account XXXX XXXXXXXX XXXX unaware of this dept and did not have the oppurtunity to dispute this account. If you believe you sent proper notifications please provide " certified mail '' with receipt displaying my signature. If not, please delete account # as soon as possible from report or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Company : Pentagon Federal Credit Union Issue : Unauthorized hard inquiry Date of Incident : XX/XX/scrub>XXXX Pentagon FCU accessed my credit report on XX/XX/year>XXXX  without permissible purpose ( FCRA 1681b ). I have no relationship with this institution. Demand immediate deletion and investigation into their credit pull practices.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: DailyPay, Inc
State: KY

Complaint narrative:
I was charged over {$50.00} in foreign transaction fees by DailyPay without proper disclosure or justification. Their terms state that a 3 % foreign transaction fee applies only to PIN and signature-based international transactions, yet the charges occurred during basic debit card purchases where no PIN or signature was used.

Additionally, I was charged 3 instant transfer fees even though I only moved my available balance to my DailyPay card, which is supposed to be a free option according to their own platform.

I contacted DailyPay by phone, spending hours being transferred between departments without any resolution. I was given no explanation of why these fees were applied or why the transactions were treated as foreign.

These charges appear to be in violation of their own stated fee policies and were not properly disclosed to me before they were applied.

I am requesting the CFPB to investigate this matter and help me receive a full refund for all improperly assessed fees and to ensure DailyPay provides transparent and consistent fee practices to its users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Company : Citibank NA Issue : Unauthorized hard inquiry ( misclassified as " XXXX XXXX XXXX '' ) Date of Incident : XX/XX/year> Citibank pulled a hard inquiry on XX/XX/year> falsely categorized as XXXX XXXX XXXX XXXX ' I never applied for financing or authorized this pull ( FCRA 1681b ( f ) ). This is deceptive and must be removed immediately.

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 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute an auto loan account originally held by XXXX XXXX and now reported by XXXX XXXX XXXX. I recently discovered this account on my credit report with a balance over {$6000.00}. I have not received any communication, validation, or documentation verifying this debt from either party. 

I have not yet disputed this with the credit bureaus, but I am initiating this complaint with the CFPB as the first step toward resolution. I do not recall authorizing this account to be sold or collected by XXXX. There is no signed agreement between me and XXXX, and no proof of legal assignment or itemized balance has been provided. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that this debt be validated or removed entirely from my record. If XXXX can not provide proper documentation showing that the debt is accurate, valid, and legally collectible, it must be removed from all credit reporting systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NV

Complaint narrative:
Attached is my Final Notice of Noncompliance sent to the credit bureau ( s ) regarding their failure to resolve repeated, legally-supported disputes over the last 3+ months. I have requested deletion of unverifiable accounts and proper investigations under FCRA 1681i. They continue to verify based solely on the last 4 digits of my SSN, which is not legally sufficient. This is a pattern of willful noncompliance, and I am preparing legal action. Please ensure this document is reviewed immediately.

Company response to consumer: Closed with explanation