vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX & XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MO

Complaint narrative:
HARD INQUIRIES No contact information has been reported by these creditors. 

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 2025-08-05 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: MO

Complaint narrative:
HARD INQUIRIES No contact information has been reported by these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I purchased food from XXXX XXXX located XXXX XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX on XX/XX/year> using my USAA card. The rice was undercooked and inedible. I took a few bite and had to throw it away. 

I filed a dispute with USAA. I also provided documentation, including the pictures of the undercooked rice. I then contacted XXXX and provided all required information. They acknowledged the poor experience but refused a refund. 

USAA reversed the temporary credit, stating there was no error, despite clear documentation of product failure and lack of merchant resolution. 


I am requesting this dispute be re-evaluated. I am filing this complaint because I made a good-faith effort to resolve the issue and received no support from either party.

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 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
The company is making attempts to collect {$1000.00} for alleged debt to National grip

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SHABANA MOTORS
State: TX

Complaint narrative:
Lender unable to provide what the vehicle was sold for and has added fees and charges that were never disclosed and payments made prior to voluntary repossession were incorrectly applied causing additional interest to accrue. 
Prior to voluntary repossession, my payments were on time every month. I had a personal emergency that caused me not to be able to continue payments which I had communicated with finance managers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I paid {$100.00} via XXXX to a seller I found on XXXX XXXX for what she advertised as an authentic XXXX  handbag. She required that I send the money before inspecting the item. Once I paid, she handed me the bag and immediately blocked me on XXXX. I later discovered that the bag was counterfeit. When I tried to reach out to her again, she had changed the listing and dissappeared. 

I contacted my bank to request that they investigate the transaction and attempt to recover the funds. I am now asking that her XXXX account be flagged or frozen, if appropriate, and that her bank investigate any suspicious or repeat behavior. 

I have screenshots of the listing, messages, payment confirmation, and photos of the counterfeit item. I am willing to provide all documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered I have been a victim of identity theft my information has been compromised and I need this situation taken care of because I can not establish new credit in my name because of this problem

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 2025-08-05 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: NE

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national datebreach and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NE

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national datebreach and a Validation of debt Letter.

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 2025-08-05 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: IN

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, including 15U.S.C.1681c2 which mandates that identitytheft information be blocked within four business days XXXX 15U.S.C.1681b which limits the furnishing of consumer reports to permissible purposes XXXX and 15U.S.C.1681i requiring consumer reporting agencies to promptly reinvestigate and delete disputed information XXXX I request that you remove these fraudulent inquiries immediately. Furnishers are likewise obligated under 15U.S.C.1681s2 to correct inaccurate data XXXX and failure to comply exposes agencies and furnishers to civil liability under 15U.S.C.1681n1681XXXX XXXX XXXX. Please act in accordance with these statutory requirements and confirm removal of the unauthorized inquiries. 
15U.S.C.1681c2 ( FCRA605B ) Requires consumer reporting agencies to block the reporting of information identified as resulting from identity theft not later than XXXX business days after receiving proof of identity, a copy of the identitytheft report, and the consumers statement XXXX This is the statutory authority for requesting prompt removal of fraudulent inquiries. 

15U.S.C.1681b ( FCRA604 ) Allows a consumer report to be furnished only for specific permissible purposes, such as pursuant to a court order or the consumers own instructions XXXX Unauthorized inquiries made without a permissible purpose violate this section. 

15U.S.C.1681i ( FCRA611 ) Requires consumer reporting agencies to reinvestigate disputed information and either verify, correct, or delete it, generally within 30 days XXXX ; they must also notify the furnisher of the dispute within 5 business days XXXX 

15U.S.C.1681s2 ( FCRA623 ) Places a duty on furnishers of information to provide accurate information to consumer reporting agencies and forbids furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate XXXX 

15U.S.C.1681n ( FCRA616 ) Establishes civil liability for willful noncompliance with the FCRA ; violators are liable for actual or statutory damages plus punitive damages XXXX 

15U.S.C.1681o ( FCRA617 ) Provides civil liability for negligent noncompliance, requiring payment of actual damages and attorneys fees

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 2025-08-05 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: IN

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, including 15U.S.C.1681c2 which mandates that identitytheft information be blocked within four business days XXXX 15U.S.C.1681b which limits the furnishing of consumer reports to permissible purposes XXXX and 15U.S.C.1681i requiring consumer reporting agencies to promptly reinvestigate and delete disputed information XXXX I request that you remove these fraudulent inquiries immediately. Furnishers are likewise obligated under 15U.S.C.1681s2 to correct inaccurate data XXXX and failure to comply exposes agencies and furnishers to civil liability under 15U.S.C.1681n1681XXXX XXXX XXXX. Please act in accordance with these statutory requirements and confirm removal of the unauthorized inquiries. 
15U.S.C.1681c2 ( FCRA605B ) Requires consumer reporting agencies to block the reporting of information identified as resulting from identity theft not later than XXXX business days after receiving proof of identity, a copy of the identitytheft report, and the consumers statement XXXX This is the statutory authority for requesting prompt removal of fraudulent inquiries. 

15U.S.C.1681b ( FCRA604 ) Allows a consumer report to be furnished only for specific permissible purposes, such as pursuant to a court order or the consumers own instructions XXXX Unauthorized inquiries made without a permissible purpose violate this section. 

15U.S.C.1681i ( FCRA611 ) Requires consumer reporting agencies to reinvestigate disputed information and either verify, correct, or delete it, generally within 30 days XXXX ; they must also notify the furnisher of the dispute within 5 business days XXXX 

15U.S.C.1681s2 ( FCRA623 ) Places a duty on furnishers of information to provide accurate information to consumer reporting agencies and forbids furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate XXXX 

15U.S.C.1681n ( FCRA616 ) Establishes civil liability for willful noncompliance with the FCRA ; violators are liable for actual or statutory damages plus punitive damages XXXX 

15U.S.C.1681o ( FCRA617 ) Provides civil liability for negligent noncompliance, requiring payment of actual damages and attorneys fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
I have XXXX XXXX  XXXX credit cards I payed off over a month ago. Despite paying them off none of the balances have been updated to reflect XXXX owed on any of my credit reports. This is causing me to lose credit opportunities and I will sue if this is not updated ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Central Research Inc
State: AZ

Complaint narrative:
I got charged for a loan that I did not use because I had XXXX XXXX and not only that I had XXXX  XXXX do to my parent serving in military. If you dont remove this off my credit and continue to harass me I will sue you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Accidentally approved subsidized and unsubsidized loan from Fafsa at XXXXXXXX XXXX  on XX/XX/year>. I was unaware of this and used the money to pay off existing student loan. I applied for forgiveness programs, however I have not received any answers. I am struggling economically at the moment and unable to pay these small loans while interest is piling up. I am in very big distress and need of help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I opened a cash app, never got to use it. As soon as I put my ss number in Im told account closed goes against standards. How? Ive tried to contact them the customer support is lacking. How can I go against anything Ive never used? I also tried to let them know Im a victim of fraud/ identity theft and have been twice. With no one to speak to I cant do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-08-05 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX brought and traded my credit information for monetary gain without my consent, which is identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: SC

Complaint narrative:
I received a notification from Klarna that my XXXX auto-payment failed, so I logged into my account and manually submitted a payment for XXXX. At that time, Klarna showed my next payment was due in XXXX, confirming that the manual payment had processed correctly. 

Several hours later, I received a notification from my bank that another payment to Klarna had been authorized, which I did not initiate. This second payment is now pending and appears to have been pushed through automatically after my manual payment was already submitted. 

When I contacted Klarna, I was told that it's not possible for them to push an early payment yet my account now shows my next payment is due in XXXX, meaning two payments were applied in XXXX. Klarna insists both payments were user-initiated, which is false. 

Ive provided Klarna with documentation including : Their own failed auto-payment notice Proof of my manual payment My banks pending transaction alert Screenshots showing the payment schedule before and after Despite this, they are refusing to acknowledge the duplicate charge or issue a refund. I have already formally disputed the charge with my bank, but am filing this complaint due to Klarna 's refusal to resolve the issue or admit error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered that I been a victim of identity theft my information has been compromised and I can not get any new credit I need this fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I discovered that multiple fraudulent accounts were opened and collections reported in my name without my knowledge or consent. I have already submitted a formal FTC Identity Theft Report and am requesting immediate removal and blocking of this account under the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) and reinvestigation under Section 611 ( 15 U.S.C. 1681i ). Please also cease all collection and furnish details of the verification method used. No valid authorization 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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am the victim of identity theft. An auto loan or lease account was fraudulently opened in my name with Honda Financial Services without my knowledge, authorization, or consent. I never applied for or signed any contract with this company, nor have I ever taken possession of a Honda vehicle. 

I discovered this account while reviewing my credit reports and have since taken multiple steps to report the fraud. I submitted a police report on XX/XX/2025, and filed an FTC Identity Theft Report. I have also notified the IRS, DMV, and the California Attorney General, and I am pursuing a civil legal case due to the extent of the identity misuse. 

I have not received any documentation from Honda Financial Services regarding this account, nor have I been contacted by the company prior to discovering it on my credit report. The presence of this unauthorized account is negatively impacting my credit score and causing ongoing distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My personal and financial data was compromised violating FERPA.I request full cancellation of my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Not only have they not replied to my contacts but even the previous complaint filed to CFPB they did not respond. 

They also do not have a license to collect debt in Washington state which is not legal for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
I was trying to buy a house and I realized I had damages on my credit report according to the 15 U.S.C 1681 laws there should not be any damages on my credit report its a defamation to my character.

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