vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
To Whom it May Concern : i am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-22 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: IL

Complaint narrative:
To Whom it May Concern : i am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/year>. I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. 
FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: Westlake Services, LLC
State: PA

Complaint narrative:
I am contacting you to dispute unauthorized hard inquiries reflected on my XXXX  credit report. These inquiries were made without my knowledge or permission, and I never provided written consent to the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per 15 U.S.C. 1681b, these entries must be investigated and removed if no written consent exists.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was reviewing my credit report and see that Discover Bank account # XXXX is showing as a negative item on my report. This account is a closed account. It shows repeated CO which allows for account to stay on report longer.

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 2025-06-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
They have an inaccurate date of when it opened, a false payment that I never paid them they get updating things instead of owning up to the inaccuracy of the entire collection and removing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I have over {$4000.00} total in my USAA Bank account, which I rely on for college and living expenses. 
On XX/XX/year>, at approximately XXXX XXXX, I used my debit card for a legitimate purchase at a theme park in another state. I immediately received a fraud text and confirmed that I had authorized the transaction. However, my purchase was still declined. I called the USAA XXXX line and, after speaking with XXXX different agents, I was told my card would be locked for a XXXX fraud review. 
Maybe 5 days after, I dont recall, I noticed that my card reappeared in my account, and I assumed the issue had been resolved. I was able to log in and view my account at that point. 
I had long since assumed the initial situation was already handled after 10 days of no contact, when while browsing credit card options through the USAA app, I was suddenly locked out of the app. I was asked to submit my Social Security number and state ID, which I did in hopes of regaining access. Instead of restoring access, USAA stated that my information was being processed. 
I received a message that quick login was XXXX, which I didnt do. When I attempted to contact USAA for a status update, as advised, I was blocked by the phone system. After entering my member number, the automated system refused to route me to a representative, and I was denied the ability to speak with customer service entirely. 
This is my account, and these are my funds. I am the rightful account holder and have complied with all ID and security requests. I have not received any confirmation of a hold, closure, or resolution. I am currently locked out of my own bank account with no way to get information or support.

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 2025-06-23 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report as outlined in my previous letters dated [ Date of First Letter XX/XX/year> ] and [ Date of Second Letter XX/XX/year> ]. Despite my repeated requests and the provision of ample documentation, the incorrectly reported late payments on my credit card [ Account Number XXXX ] remain unaddressed. 
As previously stated, according to 15 U.5. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 168li and 15 U.5. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, I referred to the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasizes the obligation of creditors to ensure timely delivery of statements to avoid unfair penalties to consumers.

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 2025-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I accidentally submitted a {$700.00} car payment to Regional Acceptance through their official online payment portal. This was significantly more than the minimum amount due, and the overpayment was unintentional. 

The payment was withdrawn from my bank account and marked as " posted '' in my online account XXXX days later. Since then, I have attempted to contact Regional Acceptance via email to request assistance either to apply the excess to future payments or explore a refund or partial credit but I have not received any response or acknowledgment.

I am concerned about the lack of communication after such a large payment. I need confirmation of how the funds were applied and what options are available, but it appears I am being ignored. I am requesting that Regional Acceptance provide clear resolution, transparency, and acknowledgment of the situation.

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
I am filing this complaint regarding an account being reported by Caine & Weiner. The account ( No. XXXX ) shows a balance of {$560.00} and was opened on XX/XX/year>. 
I do not have a signed agreement or contract with Caine & Weiner, nor did I receive proper validation of the debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). I submitted a request for validation, and they failed to provide a copy of any original signed agreement or chain of assignment from the original creditor. This violates my rights under XXXX XXXX XXXX XXXX, which requires debt collectors to provide written verification of the debt upon request. 
Additionally, I am concerned this debt may be reported inaccurately to the credit bureaus, which could affect my consumer report and score. it should be removed immediately. 
I am requesting the CFPBs assistance in investigating this matter and ensuring that this account is either properly validated with the original documentation or deleted in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: DISCOVER BANK
State: AL

Complaint narrative:
I have XXXX credit cards that are in XXXX & Ive tried to resolve this issue by trying to set up payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, Venmo suspended my account without notice. I promptly completed their identity verification process at XXXX AM on XX/XX/year>, and received confirmation that my identity was successfully verified. Despite this, my account remains frozen, and Venmo has failed to provide any update, explanation, or resolution. 

I operate a small business, and this account freeze has caused significant financial and professional damage : Vendor orders have failed, and XXXX now being charged insufficient funds fees. 
Restocking fees are being charged for materials I was unable to pay for due to my card being declined. 
I am unable to purchase materials for jobs that are already in progress. 
Contractors who hired me as a subcontractor are now threatening to back charge me or withhold payment for work they hired me to complete because I am unable to fulfill my part of the job due to lack of access to my funds. 

This situation is disrupting my business, damaging my reputation, and putting me at risk of financial loss. I have contacted Venmo support multiple times with no resolution or meaningful response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Grey Inc

Complaint narrative:
On XX/XX/year>, I initiated a XXXX transfer of {$450.00} USD through the GreyXXXX XXXX XXXX  ( offered by Grey Inc., XXXXXXXX XXXX ), to a bank account at XXXX XXXX ( XXXX ). 

The transaction was rejected by the receiving bank due to an invalid XXXX. I received the official XXXX return document ( XXXX ) confirming the reversal. 

I submitted this return proof to Greys customer support immediately, but until now, no refund has been issued and Grey refuses to share any XXXX trace or confirmation from their banking partner ( XXXX ). 

I also contacted the receiving bank confirmed that the funds were returned and that Grey is the only party that can receive and return them to me.

I have made multiple attempts to resolve this through Greys support channels, but I continue to receive automated or copy/paste responses, without any concrete update or resolution.

This delay has caused me serious financial stress. I am requesting the CFPBs assistance in ensuring that Grey refunds the {$450.00} USD to my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect. I have also disputed this information with you, the CFPB. I am requesting your agency demand this inaccurately reported account be deleted from all three credit reporting agencies. I intend on exercising my rights by communication this negligence to multiple agencies. Thank you for you attention. I have attached the information, regarding this account and it's reporting from all three agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: U.S. BANCORP
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to inform you that a fraudulent account has been opened in my name with your institution. I did not open or authorize this account. 


This account reported 76 months of missed payments dating from XXXX to 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 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
am writing to file a formal complaint regarding a fraudulent credit card account that was opened in my name without my knowledge or consent. 

I recently discovered that Capital One opened a credit card account under my name and personal information. I did not apply for this account, did not authorize anyone to open it, and have no knowledge of who may have done so. This account is negatively affecting my credit report and financial standing.

I have contacted Capital One to dispute the account and requested that they provide proof of application and authorization, but I have not received a satisfactory resolution. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in having the fraudulent account removed from my credit file. 

I was recently involved in a data breach in a nonprofit company named Dats in the state of Pennsylvania in the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and saw INQUIRIES reporting that I do not recognize nor 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 2025-06-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw INQUIRIES reporting that I do not recognize nor authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: CO

Complaint narrative:
. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase allowed XXXX separate entities to go into my bank about And takes total of {$1800.00} plus. {$200.00} in mining fees with no prior notice. I had not received any documentation in regards to the XXXX debts on. XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Kohls wrote this off as a tax loss and still sold the debt and they're trying to collect on it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio recovery, keeps changing the date on my account to make it seem like the date new then it really is and will not change it to the correct date.

Company response to consumer: Closed with explanation