vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company 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 2025-05-22 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: KY

Complaint narrative:
iI am a victim of identity theft. Someone has used my personal information to open these accounts with out my permission. I never gave anyone permission or authorization to open these accounts. XXXX account number XXXX and XXXX  XXXX account number XXXX. I never opened these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: KY

Complaint narrative:
iI am a victim of identity theft. Someone has used my personal information to open these accounts with out my permission. I never gave anyone permission or authorization to open these accounts. XXXX account number XXXX and XXXX  XXXX account number XXXX. I never opened these accounts.

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 2025-05-22 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: CA

Complaint narrative:
To Whom It May Concern, Subject : Identity Theft Dispute Request for Immediate Removal of Fraudulent Accounts and Inquiries under FCRA ( 15 U.S.C. 1681c-2 ) I am writing to dispute fraudulent and unauthorized information listed on my Equifax credit report. Upon review, I identified several fraudulent accounts and inquiries that I did not authorize or initiate. I am a victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these items from my credit report. 
These fraudulent entries are severely affecting my ability to maintain good credit, which is vital for my personal and financial wellbeing. I request your immediate attention to this matter and appreciate your cooperation in correcting my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
USAA is in violation of 15 USC 6802. USAA did not disclose the opportunity to Opt out of the sharing of my information to a third-party ( s ) thats non-affiliated.

I was not given the opportunity, before the time that such information was initially disclosed, to direct that such information is not disclosed to such third-party ( s ). 
I was not given an explanation of how I can exercise that nondisclosure option. 
My information was sent to the following non-affiliated third parties which USAA has violated 15 USC 6802 - XXXX XXXX 
- XXXX XXXX XXXX USAA is also in violation of 15 USC 1692 for unfair debt collection practices for an alleged debt.

A few days ago, a Request for Accounting / List of Collateral Pursuant to UCC 9-210 was mailed to USAA before litigation begins.

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 2025-05-22 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy federal credit union arbitrarily closed my credit card account. the account was current and active. In late XX/XX/year> I asked for a replacement card. I received multiple replacement card and with each card my account balance multiplied. I called to correct the problem and the customer service clerk denied that the problem existed. in order to protect myself from being held accountable for {$4000.00} when I only owed {$2000.00}, I asked to have the duplicate card closed. Navy credit union instead closed my credit card account and in practice did harm to my credit standing in a critical time. Then navy credit union reported my account as closed to the credit bureaus to intentionally exacerbate the harm done. I spoke to multiple people at navy credit union who were all hostile, belligerent and insisted on turning a minor incident into a blame-game and a power struggle instead of simply making any effort to resolve the problem. navy credit union is hyper-hostile to the customer, arbitrarily belligerent as their operating policy and goes out of their way to avoid making any form of resolution to the simplest problems. this could have and should have been a non-issue but these hateful thugs used every excuse to do harm and dig in against the customer. belligerent, hatetful, spiteful, arbitrarily destructive thugs who only value their ability to do harm

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
This is a follow-up to my previous dispute regarding several unauthorized accounts that have been added to my credit report without my permission. Despite raising this issue, the following accounts remain inaccurately reported : XXXX XXXX XXXX ( Account XXXX. XXXX ), XXXX XXXX XXXX ( Account XXXX. XXXX ), XXXX ( Account XXXX. XXXX ), XXXX XXXX XXXX ( Account XXXX. XXXX ), XXXX XXXX ( Account XXXX. XXXX ), and XXXX ( Account XXXX. XXXX ). These accounts were never authorized by me, which violates 15 U.S.C. 1681b, requiring permissible purpose and authorization, and 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. Under the Fair Credit Reporting Act ( FCRA ), you are required to complete an investigation within 30 days ( 15 U.S.C. 1681i ), but this matter remains unresolved, and I have not received any explanation or results. Continuing to report these inaccurate accounts after notification constitutes a willful failure to comply with federal law under 15 U.S.C. 1681n, which may result in penalties of up to {$1000.00} per violation.

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 2025-05-22 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: NJ

Complaint narrative:
I am a direct victim of the widespread misconduct outlined in the CFPBs enforcement action against Equifax, as detailed in the attached lawsuit. The violations citedranging from Equifaxs failure to properly investigate disputes and consider consumer-submitted evidence, to the reinsertion of previously removed accounts and the mishandling of identity theft claimsmirror my own experience. As someone whose personal data was also compromised in the Equifax data breach, I have suffered ongoing harm due to inaccurate, fraudulent, and unresolved credit reporting issues directly tied to the unlawful practices confirmed in this case. The Case is Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-05-22 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: SC

Complaint narrative:
Please block and delete the unauthorized accounts currently appearing on my credit report. I did not authorize or initiate them, and I am unaware of how they were added. Pursuant to USC 1681g, I formally request their removal within the next 15 days. Enclosed youll find the supporting documents for your review. Its also important to note that each credit bureau is reporting different and inaccurate information for these accounts.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
ONEMAIN has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ONEMAIN does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I purchased a XXXX online from XXXX for {$1700.00} on XX/XX/year>, using my credit card. The XXXX  was advertised as brand new and fully functional. However, when it arrived on XX/XX/year>, it had multiple serious issues : The odometer and fuel gauge did not work The gas tank cap was loose and did not seal properly The engine struggled to stay on unless throttle was applied The XXXX did not work The steering was unstable and shaky The XXXX fully stopped working after only XXXX miles of very light use I contacted the seller, who gave unhelpful suggestions like riding XXXX miles before the odometer would work. i poured out the gas and refilled the tank 5 times like they told me to but that did not help. they were not providing real solutions and only wasting time so i also filed a dispute with my bank, providing photo and video evidence showing the XXXX  condition. Despite this, the bank denied my claim based on shipping confirmation and small talk with the merchant alone, ignoring the fact that the product was not as described and failed shortly after minimal use. 


The XXXX is now non-functional and unsafe to ride. I believe I should not be held financially responsible for defective merchandise. Im requesting the CFPBs help to have this dispute reopened and to receive a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XXXX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I was targeted by a scammer who sent me money through PayPal without any agreement or transaction, and then opened a false dispute claiming I did not deliver an item. I never sold anything to them, and there was no agreement to begin with. I was essentially baited into receiving money under false pretenses, and then blamed when a dispute was filed. 

PayPal processed a refund for the sender and left my account with a negative balance, holding me financially responsible for a situation I had no control over. I contacted support multiple times to explain the scam, but they have refused to investigate properly or reverse the charges. Their system is being used for scams and users like me are being punished for it. 

I am seeking that PayPal remove the negative balance from my account and stop holding me accountable for a fraudulent dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
XX/XX/scrub>XXXX/25 I was scammed in the amount of {$50.00} and they told me there isnt anything they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
b'In XXXX 2023, I became a victim of identity theft. Multiple accounts were fraudulently opened in my name without my knowledge or authorization. These include:\n\nAmerican Express XXXX  2023  XXXX\n\nXXXX XXXX  2023  XXXX\n\nXXXX XXXX XXXX 2023  XXXX\n\nXXXX/XXXX XXXX 2023  XXXX\n\nXXXX XXXX XXXX XXXX 2023  XXXX\n\nXXXX XXXX XXXX   unknown amount\n\n\n\n\n\nI did not open or authorize any of these accounts or charges. I have reported the identity theft to the FTC and filed a police report. I have also contacted each company to dispute the accounts and request that they be closed and removed from my credit report. However, some accounts are still being reported inaccurately, and I am seeking further assistance to resolve this issue and restore my credit.\n\nPolice report number: \nXXXX- ofc. XXXX XXXXXXXX/ ofc. XXXX #XXXX\nXXXX- ofc XXXX XXXX\nXXXX XXXX Police'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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