vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Company : USAA Federal Savings Bank XXXX : Checking or savings account debit card dispute What happened : On XX/XX/year>, I filed a {$290.00} debit card dispute with USAA for a XXXX XXXX transaction. 

On XX/XX/year>, USAA mailed me a closure letter ( Dispute ID : XXXX ) stating the case was resolved because the charge did not post. This was factually incorrect the charge appears on my XX/XX/year> statement. 

I contacted USAA through chat on XX/XX/year>. The representative admitted the wrong date was used but, instead of escalating the correction, attempted to open a brand-new claim without my consent. I explicitly objected and filed a portal complaint stating that USAA can not replace an approved claim with a new one. 

Despite my objection, USAA mailed me notice of a new claim under a different ID. This amounts to altering the facts of my original claim and ignoring my complaint. 

On XX/XX/year>, I sent a certified letter to USAAs compliance department, which was delivered and signed for. 

On XX/XX/year>, USAA mailed me another letter ( Dispute ID : XXXX ) closing the new claim. Their stated reason was : The information requested to continue the investigation was not received or contained insufficient information. They also stated the {$290.00} provisional credit will be reversed on XX/XX/year>. 

Why this is improper under Regulation E : My original claim was closed with a false determination ( did not post ). 

USAA did not correct this clerical error but instead created a new claim, against my explicit objection. 

They then denied the new claim on a technicality, despite already having the necessary information from the original filing. 

This is not a reasonable investigation as required by 12 CFR 1005.11 ( Electronic Fund Transfer Act, Regulation E ).

Reversing provisional credit without properly investigating is a violation of my rights under Regulation E.

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 2025-09-23 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX XXXXXXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-09-23 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the following inaccurate item that still appears on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX This item was recently investigated and removed from my credit file by Transunion after the furnisher failed to verify its accuracy. I have enclosed a copy of their deletion results for your reference. 

Under the Fair Credit Reporting Act ( FCRA ), all consumer reporting agencies must maintain accurate and consistent credit files. Since another major bureau has already confirmed this account to be inaccurate/unverifiable, I request that you delete this entry from my report immediately. 

Please send me written confirmation once this correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NJ

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX XXXX Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally file a complaint against XXXX and XXXX XXXX for reporting inaccurate information on my credit report. The following accounts contain errors that have negatively impacted my credit profile : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$27000.00} Incorrectly reported as Late Payment XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Incorrectly reported as Late Payment I have reviewed my records thoroughly, and these late payment reports are inaccurate. Such false reporting is damaging my creditworthiness and is in violation of the Fair Credit Reporting Act ( FCRA ), which requires creditors and credit reporting agencies to maintain accurate and complete information. 

I request the CFPB to take the necessary actions to investigate this matter and ensure that these accounts are corrected immediately. Additionally, I request that I be informed in writing of the results of your investigation and the steps taken to rectify these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
My booking was not confirmed by the 3rd party on the same date so I did not receive any service/product for the transaction paid for. I received their email regarding to my unconfirmed booking. I disputed the charged with my credit card company, Wells Fargo bank. They resolved the investigation in the favor of 3rd party. As their associate claimed that my screenshot of email is not valid. 

I do not have any form of sending Wells Fargo an email sent by the merchant about my unconfirmed booking. The only thing that you can include in the dispute is a file. 

In general, I do not receive any service from the merchant and also receive the email from the merchant about We're sorry, the booking you attempted to make recently was not completed with the subject XXXX unable to confirm your booking. 

After their investigation, Wells Fargo still resolved in the merchant favor.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My checking account has been frozen since XX/XX/XXXX due to a check claim by XXXX XXXX XXXXXXXX but XXXX  XXXX XXXX cleared me within 1 week and chase is still not giving me any support over a month later. 
XXXX XXXX - chase froze account with no notification XXXX XXXX - Call chase to see what happen and they said there was a fraudulent check deposit claim by XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX reversed XXXX XXXX - Call XXXX  XXXX XXXX and XXXX  XXXX XXXX states they have done their part of reversing the claim and sending documents to chase twice already. 
XXXX XXXX - XXXX XXXX - Call chase multiple times and be led in circles with nonstop transferring. 
Chase support has multiple times stated that my account has no claims against it and when I ask why its still frozen they state they do not know. Some calls the employee says that my account is good to go and will transfer me to the department to unfreeze it. And the transferred called leads to the person not knowing what to do. Everytime I have called them they say they dont have contact with their departments and to call again another day. On the last call the support was claiming my account has only been frozen since XXXX XXXX and spoke as if a frozen account isnt a big deal. Apparently the previous support notes arent visible cause everytime I call theyre surprised I have a frozen account and say the same information everytime about no claims against account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally dispute the withdrawal of {$21000.00} from my joint account with Wells Fargo ( Account No. ending in XXXX ) on XX/XX/year>, following a deposit of {$37000.00} on XX/XX/year>. These funds were issued by XXXX XXXX XXXX as Additional Living Expenses ( ALE ) due to the total loss of my primary residence in a fire. 
The funds were initially deposited into my personal Wells Fargo account ending in XXXX and then transferred to the joint account with my daughter, XXXX XXXX, who was assisting me in locating temporary housing during my recovery. I was not aware that XXXX had a separate business credit card account with Wells Fargo that was in default, nor was I informed that funds I deposited could be seized to satisfy her unrelated business obligations. 
On both XX/XX/XXXX and XX/XX/XXXX, XXXX and I contacted Wells Fargo to notify the bank that the seized funds were insurance proceeds designated for housing and recovery, and not connected to any debt owed by XXXX. Despite this, I was met with dismissive and unprofessional conduct from multiple representatives. We were toldincorrectlythat nothing could be done because the funds had already been applied to the debt. This response disregarded both the origin of the funds and my legal rights as the depositor. 
Under Texas Civil Practice & Remedies Code 31.002, creditors may seek a turnover order to collect on a judgment. However, this process requires : A valid court judgment against the debtor A court-appointed receiver to seize non-exempt assets A mandatory exemption process allowing the account holder to claim protected funds before seizure Additionally, Texas Property Code 42.0021 and 63.001 protect certain funds from garnishment, including : Insurance proceeds, if traceable and held separately Funds not co-mingled with other assets and clearly identifiable as exempt Wells Fargos actions appear to violate these protections by : Failing to provide notice or opportunity to claim exemption before seizing the funds Treating a joint account as equally liable despite clear documentation of sole ownership of the deposited funds Ignoring the source and purpose of the funds, which were designated for housing under an ALE provision I assert the following : The {$37000.00} deposit was solely from my insurance provider, intended to cover rent and recovery costs due to displacement from a catastrophic event.

The funds were not co-mingled with any other deposits and can be traced directly to the insurance payout.

I am not a guarantor, co-signer, or authorized user on the business credit card account in default.

The seizure of these funds has caused significant hardship, as they were earmarked for housing and basic living expenses during my recovery.

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 2025-09-23 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: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation