vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
Opened an account at Morgan Stanley ETrade and every time I use my card or try to access my account it always locks or my card declines. The department that handles that is only there on the weekdays so if your card is locked or account restricted, you have no access to your money for 2 days. This can cause plans to be ruined, not being able to feed yourself or your family, embarrassing yourself by asking others for money, being caught in a situation where you or your date can pay the restaurant bill which happened to me and had cops called on me for stealing. That was a terrible situation and is currently being handled by my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Would you look over this entry? Its late and may contain an error.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below 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 non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Equifax, XXXX XXXX XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I didn't know nothing about that debt because it doesn't belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am a victim of a data breach and multiple unauthorized or inaccurate accounts reported by XXXX, constituting willful violations of the FCRA ( 607 ( b ), 609 ( a ), 611 ( a ), 611 ( a ) ( 5 ) ). Prior disputes were ignored, causing financial harm, including lower credit scores, higher interest rates, and denied credit. 
Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection, no verification Verify/delete XXXX XXXX XXXX XXXX XXXXXXXX Disputed, still negative Delete if unverifiable Requested Actions : XXXX. Investigate XXXX willful FCRA violations. 
XXXX. Ensure immediate correction or deletion of all inaccurate, unauthorized, or unverifiable accounts. 
XXXX. Enforce my FCRA rights and advise on additional consumer protections. 
XXXX. Hold Experian accountable for statutory damages ( {$100.00} {$1000.00} per willful violation ) and civil liability if not corrected promptly. 
Attachments : Credit reports showing disputed accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally file a complaint against USAA Bank for its repeated refusal to issue IRS Form XXXX, Cancellation of Debt, for a charged-off account under my name. 
The account in question is Account XXXX : XXXX, and the total charged-off amount is {$19000.00}. Despite multiple written and verbal requests to USAA Bank for the issuance of a Form XXXX, I have been denied this documentation each time. This has caused significant hardship in accurately reporting my income and tax obligations to the Internal Revenue Service. 
According to XXXX XXXX Code XXXX, applicable financial entitiesincluding banksare required to file Form XXXX with the IRS and XXXX a copy to the debtor when a debt of {$600.00} or more is canceled or XXXX due to an identifiable event, such as a charge-off. The IRS further clarifies that a creditor must issue this form when they have XXXX a debt and no longer intend to collect it, which appears to be the case here. 
USAA Banks failure to comply with this federal reporting requirement not only violates IRS regulations but also obstructs my ability to fulfill my own tax obligations. Their refusal to issue the required documentation after multiple requests is both unreasonable and unlawful. 
I respectfully request that the CFPB investigate this matter and compel USAA Bank to issue the appropriate Form XXXX for the charged-off debt. I am prepared to provide documentation of my requests and any correspondence with USAA Bank upon request.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, unverified, and unauthorized items being reported on my credit report by the credit reporting agencies ( Equifax, XXXX XXXX XXXX XXXX and the furnishers listed below. These errors are severely damaging my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
After thoroughly reviewing my credit reports, I found several charge-offs and hard inquiries that are completely false, unverifiable, and unauthorized. I have made multiple attempts to have them investigated and removed by the credit bureaus, but they continue to remain on my reports without any proper validation or proof. 
XXXX  XXXX XXXX dated XX/XX/year> These inquiries are unauthorized. I did not XXXX XXXX XXXX permission to pull my credit file twice on the same date. Under FCRA XXXX ( a ) ( XXXX ), a consumers credit report XXXX only be accessed with explicit consent or for a permissible purpose. Since these inquiries were not authorized by me and I did not submit any credit application on those dates, I am demanding both of these inquiries be deleted from my credit file immediately. 
These inaccurate accounts and inquiries have caused me significant harm, including reduced credit scores, denial of credit opportunities, and emotional distress. I have submitted disputes to all three credit bureaus, but they have failed to conduct a proper reinvestigation or provide documented verification as required under FCRA XXXX ( a ). 
I am requesting the CFPB to : XXXX. Conduct a full investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor unverified and unauthorized reporting. 
XXXX. XXXX the credit bureaus ( EquifaxXXXX XXXX XXXX XXXX XXXX  to remove these inaccurate charge-offs and hard inquiries immediately. 
XXXX. Ensure that these furnishers comply with their legal obligations under FCRA XXXX and cease reporting unverifiable or false information. 
I am attaching copies of my credit report highlighting the disputed accounts and inquiries for your review. Please take immediate action to ensure my consumer rights are protected under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are not my accounts ; they must be deleted within 15 days in line with USC 1681g.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Federated Student Loan Services
State: MA

Complaint narrative:
We had the agreement that they will delete the late payments off my credit report, which was never done. XX/XX/year> XX/XX/year> are the dates that was suppose to be deleted when I called to the representative.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-08 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: U.S. BANCORP
State: MD

Complaint narrative:
The problem is that the credit card company has allowed a business to continue charging my credit card, despite having new account numbers and the charge deemed fraudulent. 

In XX/XX/XXXX I saw a charge for " XXXX  '' of {$300.00} on XX/XX/XXXX on my US Bank XXXX XXXX. I recognized the name, because last XX/XX/XXXX I had disputed a charge of XXXX XXXX XX/XX/XXXX from the same company as a fraudulent charge ( it appeared to be a restaurant in XXXX XXXX never went to ). When I disputed the charge, US Bank gave me a new credit card, investigated the fraud claim, and sent a resolution simply stating I was credited for the {$300.00} charge ( with no information on " XXXX  '' ). 

Recently I remembered that 5 years ago, for my work, I had subscribed to a service called " XXXX  '' by the company ReportAllUSA. I was able to login and see that they were still charging me. ( I had left the job 3 years ago and believe I had cancelled the service then. I have since cancelled again. ) The credit card I had used then was a US Bank XXXX card. Two years ago US Bank changed the card to a XXXX XXXX with a new account number ( XXXX ). I see now that US Bank had allowed XXXX to charge {$310.00} on XX/XX/XXXX ( although the original charges were to account XXXX ). 

My complaint is that it appears US Bank has given out ( at least ) 2 new credit card numbers to ReportAllUSA and allowed them to continue charging my card, despite the charge even having been labeled as fraudulent last year. 

A secondary issue is that the fraud determination letter did not contain any information about the investigation. If it had I would have been able to identify the charge and take appropriate action.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

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 I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below 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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: FL

Complaint narrative:
a subcontractor I use attempted to cash a check with an incorrect legal description but the incorrect numeric amount. PNC bank told them they rejected the check. I wrote another check and he cashed the check with a separate banking institution. PNC in fact cashed the check they said they could NOT negotiate and refuses to return the money. 
The account holder has contacted the PNC bank manager at the XXXX XXXX XXXX  XXXX. The managers name is XXXX XXXX. He is a helpful man but his corporate office makes him call circular numbers to prevent any resolution from happening. The area bank manager XXXX XXXX ( not sure of spelling ) will not return calls. 
The subcontractor has stopped banking with PNC as he has acknowledged what they seem to be doing is shadow theft. 
This is the second time I have had an issue like this with PNC bank. The first time a rent check for {$900.00} was washed by a fraudster, the bank had a picture of the man. Had his ID. The local branch attempted to help me and then the corporate claims people shut them down so I filed a report with the police department for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Predatory lending. 
I have paid XXXX for over 3 years. 
The loan was XXXX. 
3 years later I still owe XXXX on the loan. 
I was never told about the of the interest rate. Was charged unbelievable fees. 
Charged XXXX for a key. I was only giving one key.

I'm a XXXX  veteran. I also put XXXX down and it didn't go towards the price of the car The sales representative didn't explainthe information. The paperworkwas done on a hand held device. He would rotate it at the parts that you need to sign. 
So the complete contract wasn't visible to see or read over. 

I feel that the predatory loans and lack of information should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation