vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/year>, I used my debit card with PIN at a XXXX gas station. After inserting my card, the pump paused awaiting a car wash selection. Believing the transaction had not proceeded and that the pump would reset, I walked away.

Another customer subsequently completed the prompt and dispensed fuel. I did not receive this fuel.

Later, I observed two separate debit card charges : one for the fuel I personally pumped and a second charge for fuel dispensed to another customer.

I contacted USAA promptly to dispute the second charge and explained that I did not receive the goods. USAA denied the claim, treating the transaction as authorized due to PIN entry, without conducting a reasonable investigation into the transaction sequence or obtaining merchant pump or transaction logs.

This charge reflects a completed debit transaction for goods I did not receive, and I am disputing USAAs handling and denial of the claim.

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 2025-12-16 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 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: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 non-monetary relief
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by the following creditors, as they are incorrect and have negatively impacted my credit report. The details of the accounts in question are outlined below for each bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$3800.00} DEPTEDXXXX  XXXX, XX/XX/XXXX, Balance : {$5400.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, Balance : {$9700.00} DEPTEDXXXX  XXXX, XX/XX/XXXX, Balance : {$3000.00} DEPTEDXXXX XXXX, XX/XX/XXXX, Balance : {$800.00} DEPTEDXXXX XXXX, XX/XX/XXXX, Balance : {$4900.00} DEPTEDXXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2000.00} DEPTEDXXXX  XXXX, XX/XX/XXXX, Balance : {$2700.00} DEPTEDXXXX, XXXX, XX/XX/XXXX, Balance : {$450.00} DEPTEDXXXX XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$520.00} Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
XXXX XXXX [ XXXX XXXX court ] [ XXXX XXXX, AL XXXX ] [ XX/XX/year> ] Via Certified Mail Return Receipt Requested Cavalry Portfolio Services , LLC [ Address listed on your credit report or collector letter ] Re : Cease and Desist Alleged Account ( as reported to Experian ) To Whom It May Concern, This letter serves as formal notice under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) that I demand all communication from Cavalry Portfolio Services , LLC cease immediately regarding the above-referenced account.

You are instructed to stop all contact, including phone calls, letters, emails, texts, and communication with third parties.

You may only respond to confirm cessation of collection efforts or to advise of a lawful legal action. 

Any violation of this notice will be documented and pursued accordingly. 

No acknowledgment of debt is made by this correspondence. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
I am filing this complaint as a consumer who is working to improve my credit and has found inaccurate or questionable information on my Experian credit report. 

XXXX XXXX Charged-Off Accounts in Dispute ( Experian ) : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX * XXXX XXXX Account # XXXX I am disputing the accuracy, balances, and reporting status of these charged-off accounts. These items may be inaccurately reported or not fully verified, and I am requesting Experian to conduct a complete investigation. 

XXXX XXXX XXXXXXXX in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recall authorizing this inquiry and request verification that it was made with a valid permissible purpose. 

XXXX XXXX  Late Payment in Dispute ( Experian ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX I am disputing the late payment reporting and request that Experian verify the accuracy of this information. 

I respectfully request that Experian correct or remove any information that can not be verified as accurate.

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 2025-12-16 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: 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 2025-12-16 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: WA

Complaint narrative:
During the XXXX Data breach earlier this year my information was a doctor was released and my identity stolen. My accounts were compromised so I closed them. CardConnect XXXX XXXX not having my new account number held the funds in their own account. There is a department within XXXX that holds these funds and according to multiple support tickets, there is no direct way to reach them. This created a second problem. XXXX uses two different internal databases one that is customer facing and can be modified and a second internal to this unreachable department. Years ago when this account was setup my name and business name were incomplete, missing words and spelling issues. However, these issues did not keep the card processing from happening. Only because of the recent breach that trying to resolve this and getting the department to release my funds is impossible. This began in XX/XX/year> and continues. I want my funds released with interest. I have attached a spreadsheet and record of the support tickets.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, Capital One mailed my new XXXX XXXX credit card. I did not choose the shipping carrier or method. 

On XX/XX/year>, the card was not delivered and was held by XXXX due to {$32.00} in postage due. XXXX informed me that the fee was assessed because the sender did not pay sufficient or correct postage. The package appeared to be a FedEx shipment that entered the XXXX system without proper postage paid. 

On XX/XX/year>, I went to my local XXXX office to retrieve my credit card. In order to receive the card, I was required to pay {$32.00} in postage due. I paid this amount using my XXXX XXXX card. I have a XXXX receipt showing the charge. 

On XX/XX/year>, I contacted Capital One customer service to request reimbursement for the {$32.00}, as this charge resulted solely from a mailing error by Capital One or its card fulfillment vendor. I had no control over the shipping method or postage. 

I later escalated the issue to a Capital One supervisor on XX/XX/year>. Capital One acknowledged the situation but stated that the issue was not their responsibility and that I should seek reimbursement from XXXX. XXXX has indicated that the postage due resulted from sender error and is properly collected from the recipient. 

As a result, I am left paying {$32.00} due to XXXX XXXX mailing error. I am requesting reimbursement of the {$32.00} postage due fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has sold a fraudulent debt to multiple debt XXXX. I have submitted proof that this debt is not mine multiple times and have filed multiple complaints with CFPB regarding this debt. 

This debt has once again hit my credit report this morning XX/XX/year> by Ability Recovery Services LLC. 

Previous closed complaints with CFPB XXXX and 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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: ND

Complaint narrative:
I am formally disputing this U.S. Bank account and requesting validation of the alleged debt. I have not received documentation verifying that this debt is accurate or legally owed by me. No original agreement, complete payment history, or itemized balance explanation has been provided.

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 2025-12-16 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: NY

Complaint narrative:
Unauthorized access to my credit report by multiple companies has caused direct harm to my credit standing and credit score.

I previously contacted your agency, and a representative assured me that these unauthorized inquiries would be removed.

However, this promise has not been fulfilledthese inquiries remain on my report.

This failure to act is unacceptable.

The ongoing presence of these potentially fraudulent entries is highly alarming and strongly indicates possible identity theft.

This unresolved issue continues to inflict significant emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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