vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: 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 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 XXXX 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 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I am submitting this formal complaint regarding my recent experience with USAA Federal Savings Bank, specifically related to their auto loan finalization process and unprofessional conduct by a representative of their Consumer Lending Member Resolution Team. 

As a licensed automotive dealer and a USAA member myself, I was assisting a mutual customer in finalizing an auto loan through USAA. The dealer documentation provided by USAA stated that in order to complete the process, I was required to fax documents. No alternative method such as secure email or portal upload was provided. 

Given the outdated nature of faxing, I made a call to USAA to obtain an alternative option. I was transferred three times to the wrong departments, and finally spoke with someone who simply provided an email address. 

Wishing to share feedback and understand the process betterparticularly why the member 's account number must be placed in the subject line ( a requirement not listed in the instructions ) I asked to speak to someone from their XXXX XXXX XXXX. I was connected with a representative named XXXX, whose conduct was deeply concerning : She was immediately rude and condescending, asking bluntly : What question do you have? Mind you. The previous rep understood why I was asking to be escalated to give feedback. 

When I raised privacy concerns about including sensitive information in the subject line, XXXX suggested that including the members Social Security XXXX would be acceptable. This recommendation is not only inappropriate but potentially dangerous from a data privacy and compliance standpoint. She also suggested a online e-fax website. 

She continuously spoke over me, refused to listen, and ultimately accused me of scolding USAA and their processesthen hung up on me. 

At no point was I unprofessional or disrespectful. I was seeking a secure, reasonable solution for our mutual customer and to offer constructive feedback on a flawed and outdated process. Instead, I encountered resistance, hostility, and a complete lack of accountability. 

USAAs published mission claims to stand with its members by offering exceptional service and operating with honesty and integrity. Based on my experience, this mission was not upheld. 

I am requesting that the CFPB review this matter as it concerns : Outdated and unclear procedures that obstruct consumer transactions. 

Improper guidance regarding sensitive personal data. 

Unprofessional conduct by a representative tasked with handling complaints and feedback. 

I am available to provide further documentation or assist in verifying the details of this case.

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 2025-05-11 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year>. Its show like 60 days past due, but its not. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: SC

Complaint narrative:
I have disputed this item before kubota account ending in XXXX Equifax has said the police report was not valid and Equifax has lied several times. I also have a lawsuit against them for not removing this account and its causing me undue hardship. I have daughter thats battling XXXX and i cant move finanicially becuase of this account. Equifax had this account block since XX/XX/year> and was remained removed since XXXX it was reinserted back into my Equifax credit report. Everytime i get denied for credit thats a extra {$2000.00} per violation that Equifax will have to pay. I also included a letter from XXXX back in XXXX of XXXX when i first made a dispute on this account. I also included a valet police report and ftc report. Please dont lie and say that the documents are not valet. I ask Equifax agents to get the creditors and whoever involve on a three way call and they denied to do this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: Exto Inc.
State: NC

Complaint narrative:
My phone was stolen while I was hospitalized for nearly a month. During that time, fraudulent transactions were made on my XXXX  credit card using their mobile app. I submitted a dispute and provided a police report documenting the theft. XXXX  denied my dispute without ever providing a written explanation, documentation, or basis for their decision. The " investigation '' was completed in less than XXXX hours and no provisional credit was ever issued during the process, which violates my rights under the Fair Credit Billing Act ( FCBA ) and Regulation Z. I am requesting a proper reinvestigation, a written explanation, and a provisional credit pending resolution. XXXX has failed to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  : National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am filing this complaint against National Credit Systems for willful violations of the Fair Credit Reporting Act ( FCRA ). This company is reporting an alleged debt in the amount of {$570.00} with account number XXXX *, allegedly tied to XXXX XXXX XXXX XXXX. This account is fraudulent and has been reported to the credit bureaus XXXX  and XXXX  The account was allegedly opened on XX/XX/XXXXXXXX XXXX XXXX XXXX  and XX/XX/XXXX ( XXXX  ), but I have never authorized, acknowledged, or signed for this debt. 

This company has accessed and reported my personal information without my consent or legal authorization, constituting a breach of consumer privacy and federal law. I am a victim of identity theft, and I demand the permanent deletion and blocking of this account from all credit bureaus under Section 605B of the FCRA.

Violations include : FCRA 1681b ( c ) Impermissible access of consumer report FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with knowledge of errors FCRA 1681s-2 ( b ) Failure to conduct proper reinvestigation FCRA 1681c-1 ( Section 605B ) Failure to block identity theft information I am requesting a full investigation by the Consumer Financial Protection Bureau ( CFPB ) and enforcement of all applicable federal consumer protection laws. I seek immediate deletion and permanent blocking of this account, as well as any damages available under the FCRA for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: NY

Complaint narrative:
Received debit card in the mail on Sat XX/XX/XXXX. 

Called chime, told them I did not open an account. 

They closed the account but refused to give me any information unless I provide them with a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
I have attempted to log into my Equifax account ( through the website AND app ) periodically over the span of 7 years to access credit reports and have never been able to do so. I cant even update my street address! Equifax returns an error message when I log in- even after resetting my password- and when I call Equifax, they are never able to get me into my account. As a result, I have exclusively used XXXX. Today, though, I tried to apply for a credit card at a bank that runs the credit check through Equifax and I was unable to finish my application because I could not unfreeze my credit through Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Property tax statements are typically sent around XXXX and must be paid by XX/XX/XXXX of the following year. Newrez paid the taxes for the prior tax year ( XXXX ) in XXXX ( as most mortgage companies do ). This tax year ( XXXX ), for unknown reasons, Newrez held the tax payment and paid it in XX/XX/XXXX. Due to SALT ( State and Local Tax ) deduction limits and rules, the deduction for property taxes can only be taken on a federal return in the year it's actually paid. Additionally, the deduction is capped at {$10000.00}. Because Newrez held the tax payment until XXXX, I was unable to take this deduction on my XXXX federal return resulting in a significantly higher tax payment to the IRS. At the start of XXXX when I was planning for XXXX taxes with my tax preparer, the plan including taking this deduction as I had in prior years. While Newrez may not have been technically late on payment from a taxing authority perspective, their failure to maintain the same payment timing for property taxes created an adverse tax situation, and caused me to have to pay significantly more in federal tax than I would have otherwise owed. Additionally, due to the SALT cap rules, I won't be able to recover the loss of that deduction this year when Newrez likely resumes its usual process of paying taxes in XXXX. I contacted Newrez to complain and seek resolution of this adverse tax situation that its actions caused. It has been over 30 days and I have not received a response. The only means of contacting them is through a web submittal form. When I attempted to follow-up, for some reason, the web form would not accept my communication. I have submitted a notice of error and general information request. Newrez needs to respond to my inquiry regarding this situation and why they failed to pay the property taxes in XXXX and respond to my good-faith appeal for restitution. Unfortunately, there's no official legal recourse for a consumer like me since technically no rule was violated but mortgage companies should not be allowed to create situations like this without consequence. My hope is that Newrez will respond and make this right.

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 2025-05-10 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: 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 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 2025-05-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a collection account reported on my Equifax credit report by XXXX  on behalf of XXXX XXXX. The account was originally for {$79.00}, assigned on XX/XX/XXXX, and marked as paid in full with a {$0.00} balance as of XX/XX/XXXX. Despite multiple disputes and the account being fully resolved, this paid collection continues to remain on my credit report. 

I have attached a screenshot from Equifax ( dated XX/XX/XXXX ) clearly showing : Creditor : XXXX XXXX XXXX XXXX : XXXX  Original Balance : {$79.00} Paid in Full : Yes Last Payment Date : XX/XX/XXXX Status : Paid Comments : Account previously in dispute now resolved by data furnisher The presence of this paid collection is unfairly damaging my credit profile. Given that the debt has been fully satisfied and reported as paid, and considering that it was previously disputed, I am requesting that this item be removed entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I attempted to withdraw funds. The ATM machine did not provide any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX * * * * XXXX XXXX - XXXX * * XXXX - XXXX * XXXX * * XXXX XXXX XXXX - XXXX * * * * INQUIERES FIRST XXXX - XXXX CAPITAL XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXXays I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Subject : Complaint Regarding Inconsistencies in My Credit Report and Disputed Account Reporting Dear Sir or Madam, I am writing to formally submit a complaint regarding the ongoing, unjustified fluctuations in my credit score, despite having a clean and responsible payment history.

Over the past 7 years, I have not had a single late payment on any of my accounts. However, my credit score continuously rises and falls without valid reason, and has not exceeded XXXX points. This has negatively impacted my financial standing and my ability to improve my credit profile.I have about XXXX credit cards with XXXX balance and they still shows a compromised credit. 

In addition, I am repeatedly penalized due to delays from banks in reporting payments, which is completely out of my control. This unfairly harms me as a responsible consumer. As of today a XXXX  XXXX credit card appear with a {$1900.00} bslance and it was totally paid, my XXXX car loan tskes months to be actualized There is also a single negative account on my credit report, which I refuse to pay because it belongs to a telecommunications company that never provided the contracted service. I have submitted multiple complaints about this in the past, explaining that it was an improper charge, yet the account remains on my report, damaging my credit. I consider this abusive and unjust. 

I respectfully request that this matter be investigated and that the following actions be taken : 1. Correct any errors or unfair practices affecting my credit history.

2. Remove the disputed negative account due to the lack of service received.

3. Ensure that banks and financial institutions report information accurately and on time.

Thank you for your attention to this matter. I am willing to provide any additional information.

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 2025-05-11 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: PR

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
2022 around XXXX XXXX. Check was for like XXXX I believe and they never returned the check they have my account closed and the money just sitting there weve tried verifying in every which way they said she had to have a phone in her name which she did at XXXX point they still said it wasnt showing up I. The system its going on XXXX no check has been reissued back to the irs XXXX Theyve denied every verification process we presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX I was the victim of a scam involving fraudulent transactions totaling {$2200.00} made through XXXX I unknowingly sent multiple payments to an individual who turned out to be a scammer. Upon realizing I had been defrauded, I immediately contacted my bank to stop the payments and reported the incident to XXXX 

Although my bank processed a reversal, XXXX  still released the funds to the scammer. As a result, XXXX  placed a negative balance on my account and is now holding me responsible for repayment, even though I did not receive any goods or services and acted promptly to report the fraud. 

I filed a police report and submitted a copy to XXXX as evidence. I also contacted XXXX support multiple times and emailed their collections department, explaining the situation and requesting assistance. However, they have not provided support and continue to ask that I repay the full amount. 

I am experiencing financial hardship and am unable to pay this amount. I am requesting help in having this balance dismissed and the XXXX account closed in good standing. I believe this situation is the result of fraud, and I am asking for protection as a consumer who acted in good faith.

Company response to consumer: Closed with non-monetary relief