vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have had problems with Venmo for a couple months all I wanted to do was add my personal email which is linked on another account but they wont let me reset the password. I also want to add my bank account which has been a struggle for no reason they wont provide any help no matter how many times communicated and now theyve just deactivated my account when I have around XXXX dollars in my account that I cant withdraw because they cant add my bank account. All I want to do is be able to use Venmo the way it should but they wont let me for no reason this has been an ongoing struggle Ive talked to 15-20 specialists that have done nothing but make the process more difficult this all happened around XX/XX/XXXX but has been ongoing for quite some time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-08-30 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: FL

Complaint narrative:
My Personal information may have been compromised due to the Experian data breach, potentially falling into the wrong hands. As a result, I have identified several unrecognized collection accounts on my credit report that must be deleted immediately. The accounts in question are as follows 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

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 2025-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: IN

Complaint narrative:
I had pulled my credit report to find out there has been XXXX student loan accounts under my identity that I had no knowledge of. I have been in contact with this company Edfinancial since XX/XX/year>. I have been given the run around, waited over XXXX days for a fraud packet they were to send. Did not receive it and still havent today. I had finally found out I could get the fraud application on online so I did, I have given them police reports that were reported the day the day I was aware this had happened, I have given additional information regarding that the student loans do not belong to me and now I have received a letter saying I need additional information and I dont know what other additional information I could possibly give them. I have given them all information the fraud packet was requesting. I am still dealing with this company as of today XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with all these companies, I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. 

After speaking with several of these company customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe a company of this magnitude doesn't care about their customer 's consumer rights. 

Several of these companies are tarnishing my name and credit profile by reporting these accounts late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX and the information listed below on my credit report is a result of that XXXX  : Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been calling Bank of America trying to close my savings account and they wouldnt cooperate with me over the phone. Im not working as of now due to a work injury and they keep charging me fees every month and saying that I have to pay the XXXX $ in full in order to close it. I went into Bank of America and they were extremely rude. I was being polite and telling them that I need my account closed and they said that I takes while to close my account but the lady and manager lied saying I have to pay it full and they will close it for me but that was not the case. I paid it in full and they still denied helping me! I am extremely unsatisfied with their customer service and for not closing my account after I did everything they told me to do.

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 2025-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: IN

Complaint narrative:
I requested a wet ink signature as well as all fees rendered towards the loan and principle, interest etc. I explained to them I am receiving robot calls to which I opted out of receiving. So now the email and calls are coming through which I have recorded, as well as the letters in the mail. This is a form of harassment and predatory lending. They have a history of unfair business practices as well. and I have yet to receive any of the information I believe this is predatory lending Because I have yet to receive an itemized breakdown of all payments made and interest accrued as well as the APR rate I am being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

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.

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 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX XXXX, Texas, to purchase a vehicle. I informed the salesman, XXXX XXXX, that I already had financing approved at 6.79 % APR for XXXX  months through my bank. XXXX XXXX stated that the dealership could likely secure me a better financing rate and encouraged me to allow them to arrange financing. 

Relying on this representation, I agreed. However, during the signing process, no XXXX information was presented to me. I was not shown the financing terms, and the finance representative, XXXX, instructed me simply to sign the documents without review. I have a voice recording of this exchange, which is legal in the State of Texas. 

Despite being clearly informed of my approved 6.79 % APR financing, the dealership arranged an XXXX loan at 9.49 % APR, significantly worse than the financing I already had available. This deceptive practice will result in me paying more than {$15000.00} in interest alone over the life of the loan. 

I am submitting this statement and supporting evidence, including the audio recording, to demonstrate that the dealership misrepresented the financing terms and acted in bad faith, resulting in substantial financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NM

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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I recently reviewed a copy of my credit report and noticed some accounts that were inaccurate. They are hindering me from obtaining credit please remove them.

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 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
disputes were filed because accounts on my credit report are not mines examples : for the amount of XXXX radius global solutions from XX/XX/

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 2025-08-30 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of the collection account recently reported by XXXX XXXX XXXX XXXX regarding an alleged XXXX balance of {$450.00}. This account is inaccurate and must be removed immediately. 

This same account was previously reported by a different collection agency and deleted following my dispute. Under the Fair Credit Reporting Act ( FCRA ), once an account has been removed for being inaccurate or unverifiable, it can not legally be reinserted by another company without providing me with full written verification. No such verification has been provided. 

Furthermore, I have submitted an identity theft report regarding fraudulent activity in my name. In accordance with the FCRA, when a consumer provides an identity theft report, any account or inquiry resulting from that fraud must be blocked from their credit file. The continued reporting of this account violates my rights under federal law. 
Additionally, I am disputing the following hard inquiries, which were not authorized and negatively impact my credit profile : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-01 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: ME

Complaint narrative:
On XX/XX/year>2025, my USAA bank account was taken over by an adversary who successfully logged into my account without triggering multi-factor authentication ( XXXX ). I never received a PIN code request, even though USAA normally requires XXXX for login and transfers. 
Once inside my account, the adversary : Transferred {$3500.00} from my USAA savings account to my checking account. - - Transaction ID was XXXX on XX/XX/year>2025. 
Used those funds to complete a {$2300.00} debit purchase for New York XXXX XXXX  tickets via XXXX. 
This was not me, nor did I authorize anyone to act on my behalf. Immediately after, I received a USAA fraud alert text and responded NO. Initially, USAA reversed the charge. However, on XX/XX/year>2025, USAA concluded its investigation and claimed the transactions were legitimate, re-debiting my account. 
This was a clear account takeover, not a legitimate transaction : I never received an XXXX code upon login or transfer. 
The adversary gained direct account access, not just card data, because they moved funds internally. 
My XXXX account was also taken over on the same day, again without any XXXX challenge. 
On that same morning, my XXXX XXXX account flagged fraud and reversed unauthorized charges. 
Despite all of this, USAA has provided no evidence showing how the adversary bypassed XXXX or how the login was supposedly legitimate. They have denied my dispute without providing logs, IP addresses, timestamps, or any proof that I authorized these transactions. 
Why USAAs denial is improper under Regulation E Regulation E ( 12 CFR XXXX ) requires that : The burden of proof rests on the financial institution to show that a disputed electronic fund transfer was authorized. 
Consumers are protected against account takeover and unauthorized transactions. 
If the bank can not prove I authorized the transfers, they must re-credit my account. 
USAA has failed to meet these obligations. My timely NO response to their fraud alert, coupled with the absence of XXXX, proves this was fraud. Their denial leaves me unfairly liable for a security failure I did not cause. 
Requested Action I request that the CFPB require USAA to : Immediately re-credit my account {$2300.00}. 
Provide complete records of their investigation, including login history, IP addresses, device details, and XXXX logs. 
Explain how the adversary was able to log into my account and bypass XXXX. 
Ensure USAA complies with Regulation E in handling account takeover disputes. 
Thank you for your assistance in holding USAA accountable and protecting consumers from account takeover fraud.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud. 
Fraudulent information includes : A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$2800.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$1100.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$2300.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$3600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$7600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$5600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$4500.00} A personal credit account at XXXX  XXXX opened XX/XX/XXXX with balance of {$350.00} A personal credit account at XXXX Bank opened XX/XX/XXXX with balance of {$1300.00} These accounts have resulted in several fraudulent hard inquiries and collections. I do not recognize them, nor were they opened, made, or initiated by me.

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 2025-08-30 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX This CFPB complaint is filed to request action pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud. 
Fraudulent information includes : A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$2800.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$1100.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$2300.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$3600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$7600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$5600.00} A loan account at XXXX XXXX opened XX/XX/XXXX with balance of {$4500.00} A personal credit account at XXXX  XXXX opened XX/XX/XXXX with balance of {$350.00} A personal credit account at XXXX Bank opened XX/XX/XXXX with balance of {$1300.00} These accounts have resulted in several fraudulent hard inquiries and collections. I do not recognize them, nor were they opened, made, or initiated by me.

Company response to consumer: Closed with non-monetary relief