vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
Around XXXX of 2024, I got a charge on my USAA credit card for about {$21.00}. 
I told USAA that it was fraud. I never made the charge. 
Around XXXX of 2024, USAA said that they had investigated and that they had decided that I had to pay the charge. USAA sent me a document from XXXX that said I had purchased something. 
I told USAA that XXXX did not have a physical signature, nor a digital signature, nor a PIN ( Personal Identification Number ), nor the 3 digit code on the back on my credit card. I told USAA that I did not receive anything from XXXX. 
USAA told me that XXXX doesn't need a signature, PIN, or 3 digit code. 
All they need is my name, address, and phone number. And that it doesn't matter that I didn't use the service, as it was available to me. I told USAA that that was ridiculous because my name, address, and phone number are all public information, available on any job site on my resume. 
I looked at the document from XXXX and I wrote back to USAA telling them that the XXXX document does not have my phone number, because I never bought anything from XXXX. And I told them, how was I supposed to use a service that I did not know about? 
USAA ( a guy named XXXX ) called me, admitted that the XXXX document does not have my phone number, but then said they don't need my phone number, all they need is my name, address, and email address. 
I checked the XXXX document and noticed that the email address is not the email address that I use for financial transactions. It is a public email address that I use for correspondence. 
USAA is demanding that I pay. They are charging interest. And they have turned the debt over to a collection agency. 
I never made the purchase.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: KY

Complaint narrative:
I have been contacted about a past due balance of student loans by XXXX. I have not received any letters at my home address, or calls to my phone. Only emails to an email that was no longer in use. I also shouldnt have a balance through the company at all as I received a work ready scholarship through my school. Despite all of this, my credit score has now been docked almost XXXX points. As a small business owner and family man this can be devastating if we dont get it resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have been contacted about a past due balance of student loans by XXXX. I have not received any letters at my home address, or calls to my phone. Only emails to an email that was no longer in use. I also shouldnt have a balance through the company at all as I received a work ready scholarship through my school. Despite all of this, my credit score has now been docked almost XXXX points. As a small business owner and family man this can be devastating if we dont get it resolved.

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 2025-04-21 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: CT

Complaint narrative:
No action was taken and the appropriate negative items were not removed 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
We've fallen behind on our VA XXXX  year fixed mortgage due to deaths in our family. We now support my mother financially to assist her in keeping her home. 
Our mortgage company approved us for a XXXX  year VA modification, but the monthly payment is now higher than the previous payment. We understand the interest rate is higher, but spread over XXXX  years shouldn't it still be lower? 



Previous XXXX  year fixed term {$3900.00} 5.87500 %. 330 months New XXXX year fixed term {$4100.00}. 6.87500 %. 480 months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
This company has been negatively impinging upon my credit report for a debt, That they knew I did not owe. I have been writing them letters since XXXX to investigate and provide me with documentation validating the debt to which they have not. They have been intentionally deceiving the credit bureau. The owner of the debt has provided me with a written statement. He has been trying to collection professionals to allow him to pay the debt to which they refused to allow him Place the debt underneath his name and pay it. Today I sat with the owner of the debt with my audio recorder, running and listen to him speaking with the manager XXXX at collections professionals advising them that they have been billing me incorrectly for his debt. We are not married. In fact, we are exes. XXXX made a temps to get them to correct it to keep me from pursuing him legally Collections professionals told him that what he can do is leave the account underneath my name and pay it. Which would mark the debt as paid but not correct all the damage they did to my credit report. I have a audio recording of todays events And the manager laughing And trying to tell me he does not have to tell me about About Claims his mine with someone else. These people are knowingly, committing fraud, submitting fraudulent reports to credit bureaus not conducting proper investigations. I contacted XXXX XXXX and XXXX  about this. They have failed to take the appropriate actions so I have attached a copy of the audio recording and the statement from the owner of the account where he was making efforts to have this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: LA

Complaint narrative:
I am writing to formally dispute hard inquiries listed on my credit report that I did not authorize. According to the Fair Credit Reporting Act ( FCRA ), a consumers express consent is required before a hard inquiry can be made. I did not grant such permission to the organization listed below, nor did I apply for any credit or services from them. 

Details of the Disputed Inquiry Company Name : " XXXX XXXX '' Date of Inquiry : XX/XX/year> Reported On : Experian Company Name : " XXXX XXXX XXXX '' Date of Inquiry : XX/XX/year> Reported On : Experian Company Name : " XXXX XXXX '' Date of Inquiry : XX/XX/year> Reported On : Experian Company Name : " XXXX XXXX '' Date of Inquiry : XX/XX/year> Reported On : Experian Company Name : " XXXX XXXX '' Date of Inquiry : XX/XX/year> Reported On : Experian Company Name : " XXXX MOTORS XXXX XXXX Date of Inquiry : XX/XX/year> Reported On : Experian As these inquiries was not authorized, I am requesting that it be removed from my credit report immediately. Additionally, I am requesting that you provide documentation that verifies my written consent to these inquiries, as required under the FCRA. If such documentation can not be provided, these inquiries must be deleted. 

Please find enclosed the following documents to assist with your investigation : A copy of my credit report with the unauthorized inquiries highlighted. 

I respectfully request that you complete your investigation and provide a written response within 30 days, as stipulated by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-04-21 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent out disputes on XX/XX/year>. I also sent them out again on XX/XX/year>. However, these are the most current. For some reason, my information is misreported and misidentifies me as a consumer. My information has been identified on dark web sites, and I have been notified on several accounts that I have several accounts for cable and phone services in my name. I sent copies of my license and social security card. Yet, no changes were made to reflect my accurate information. I was told that I was believed not to be a real person. I am pursuing civil damages as this misinformation is hindering me from gaining shelter for my family.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent out disputes on XX/XX/year>. I also sent them out again on XX/XX/year>. However, these are the most current. For some reason, my information is misreported and misidentifies me as a consumer. My information has been identified on dark web sites, and I have been notified on several accounts that I have several accounts for cable and phone services in my name. I sent copies of my license and social security card. Yet, no changes were made to reflect my accurate information. I was told that I was believed not to be a real person. I am pursuing civil damages as this misinformation is hindering me from gaining shelter for my family.

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 2025-04-21 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:
In early XXXX, I was the victim of identity theft, which resulted in a fraudulent auto loan being reported to Experian. When I discovered the account in XX/XX/XXXX, I immediately filed a police report and FTC Identity Theft Report, then submitted both to Experian with a formal request for a block under Section 605B of the Fair Credit Reporting Act. Experian complied and removed the item, as required by law. 

Shockingly, in XX/XX/XXXX less than a month later the exact same fraudulent tradeline reappeared on my report without any advance notice, explanation, or supporting documentation. Experian failed to notify me of the reinsertion, failed to identify the party who supposedly verified the information, and failed to provide the legally required certification. This is not a clerical error it is a flagrant and willful violation of federal law under Section 605B. 

I am demanding that this item be permanently removed and that the CFPB take immediate enforcement action against Experian for its unlawful reinsertion of previously blocked identity theft information. Experian is knowingly undermining critical consumer protections, and without consequences, it will continue to violate the rights of others the same way. These protections exist for a reason and Experian must be held accountable.

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 2025-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
This is in follow up to my previous complaints. I am still being ignored by cashapp. They refuse to help me with either correcting the reporting of the fraudulent taxable activity generated from this account I didnt open and had no awareness of or granting me access to it so I can confirm the fraud for myself and obtain proof to show the IRS XXXX It has taken so long I have incurred damages in the form of tax payment and interest paid to the IRS. The last complaint filed with you they said I was unresponsive which was a lie as you will clearly see in the attached emails. At this point that are blatantly ignoring my outreach and refusing to comply with regulation on protecting me from identity theft and fraud. Please help. I even tried emailing their senior leadership to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 2025-04-21 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 non-monetary relief
Consumer complaint received 2025-04-21 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXXXXXX Date reported XX/XX/year> I will also would like this account to be removed off My Chexsystem consumer 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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I purchased a credit card from Truist Bank on XX/XX/XXXX in the amount of XXXX. The card was soon charged off. Payments of XXXX plus additional fees were paid off on XX/XX/XXXX. A report was made to the credit bureau as paid in full, however, the account has been left open as not paid when this was paid off with the bank manager on date recorded above. This leaves strong negativity causing a negative status and lowing my credit score. This behavior is recorded by other banks, in the same fashion, when these accounts where paid off. I believe internal theft is taking place. I reported a state employee of unaliving my mother and every since my finances, home, cellphones, security cameras, car has been severely hack and sabatoged since XXXX XXXX XXXX in XXXX NC starting in XXXX. Mother was unalived in XXXX. XXXX XXXX. All of my resources, including my health records, I now have a criminal record, I have been poisoned, ran off road, being pushed out of XXXX different homes and banks. Pls investigate. My name is XXXX XXXX and I can be reached at XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc 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