vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/year>, I wired {$22000.00} from my USAA account to what I believed was a legitimate auto dealership in XXXX. I later discovered I was the victim of a sophisticated " clone dealership '' fraud scheme. This is in interstate wire fraud scam. The website, phone number, and seller communications were impersonating a real dealer ( XXXX XXXX ) and using stolen photos and videos from a different dealership 's listing. I reported the fraud immediately to USAA and filed a police report ( XXXX Police Dept Case # XXXX and XXXX XXXX Police Department XXXX XXXX  Case XXXX XXXX ). I also confirmed with the XXXX XXXX XXXX that the real business owner had also filed a police report stating his business was being impersonated. 
I contacted USAA immediately upon realizing I'd been scammed, explained the fraud, and provided all details. A wire recall was submitted to XXXX XXXX, but I was told that the recipient ( the scammer ) must consent to return the funds, even though this is a confirmed case of identity-based wire fraud. Since, the recipient continued to send misleading communications pretending to issue a refund and claiming the car was stolen. This appears to be a stalling tactic to allow the funds to clear. 
USAA representatives were kind but repeatedly stated theres nothing more we can do and refused to escalate the case to their financial crimes or fraud investigations team. I requested to provide supporting documentation and asked for a review for possible reimbursement as a fraud victim if the recall was not successful, and was told this was not an option. I am a single mother who sold my vehicle in preparation for this now-fraudulent purchase and am now left without transportation or the {$22000.00} wired under criminal deception. 
I am requesting that USAA escalate this case internally for serious review by its fraud or executive resolution team, and that they reconsider possible reimbursement under their stated fraud protection commitments. This was not a mistake, it was a targeted criminal act supported by police reports and obvious digital evidence.

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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Transunion. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several XXXX  inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. 
The following legal provisions have been violated in relation to these unauthorized credit inquiries : XXXX XXXX. XXXX ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate XXXX purpose. These inquiries were made without my knowledge or consent. 
XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX Alerts : I have placed a XXXX XXXX  on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply. 
XXXX XXXX. XXXX Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

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 2025-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Transunion. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several XXXX  inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentation. 
The following legal provisions have been violated in relation to these unauthorized credit inquiries : XXXX XXXX. XXXX ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate XXXX purpose. These inquiries were made without my knowledge or consent. 
XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX Alerts : I have placed a XXXX XXXX  on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply. 
XXXX XXXX. XXXX Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against TRANSUNION regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Disputed Information : account number, type detail, account status, credit limit, date of last activity, date opened and comments. 
Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau XXXX XXXX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX days. This XXXX has led to the continued reporting of false information, which has XXXX impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in XXXX XXXX Code XXXX. Additionally, I referenced XXXX XXXX XXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : credit report, Additionally, I request that you correct my personal information : My only legal name is XXXX XXXX and my only current address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 
If any other name or address appears on my credit file, it is incorrect, not mine, and must be removed immediately.

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 2025-06-06 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my XXXX XXXX number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to XXXX XXXX Code XXXX, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under XXXX XXXX XXXX XXXX, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under XXXX XXXX XXXX XXXX ( XXXX ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a XXXX XXXX card was used in the transaction. Under XXXX XXXX XXXX XXXX - XXXX certain deceptive forms I am not participating in the collection of this alleged debt. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: AZ

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
XX/XX/year> I deposited {$200.00} to Capital One so I could open a secured credit card. Somehow there was a major disconnect and I kept getting notifications in the mail telling me if I didn't deposit the {$200.00} then my request for a secured credit card would be closed however I have the confirmation that I deposited the {$200.00} on the date noted above and it also provided me with my savings account number, routing number, and a confirmation number. Every time I try to log on to Capital one 's app or login to their website I get a message saying that their experiencing problems and for me to try again later So I have called them a total of 28 times since XXXX of 2024. Every time they ask for my social security number and tell me I don't have an account there. Last fall in XXXX I was finally able to get somebody that actually put in some work and was able to confirm that yes I do do have a savings account that has {$200.00} in it but he couldn't tell me how I could get that money out which was infuriating. I called five times today and I got the same story over and over which was that I don't have an account there they don't see that I ever even tried to open a secured card and they refuse to try to look up my information using the account number, the confirmation number or anything other than my social security number. So there's a high probability that they put my social security number into their system incorrectly And that could be the cause of this problem. But I have proof that I deposited the money and that it cleared the account and I have statements from Capital One indicating that I have {$200.00} and a savings account with them so it seems like I should be able to get that money out yet they are unable to help me with that because they assure me that I'm mistaken and that I do not have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 am submitting a formal complaint regarding a repossession account being reported on my credit report beyond the legally permitted time frame. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), negative information such as a repossession must be removed from consumer credit reports after 7 years from the date of the first delinquency.

Despite this, the repossession account continues to be reported on my credit report and is being updated monthly, which is a direct violation of 15 U.S.C. 1681s-2 ( a ). This section prohibits furnishers of information from continuing to report inaccurate or outdated information once they know or should know that the information is inaccurate or beyond the allowable reporting period.

The creditor is continuing to update the account monthly, falsely implying recent delinquency activity, which constitutes illegal re-aging of the debt. This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information, and 1681s-2 ( a ) ( 2 ), which prohibits the reporting of outdated derogatory 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 2025-06-06 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 am submitting a formal complaint regarding a repossession account being reported on my credit report beyond the legally permitted time frame. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), negative information such as a repossession must be removed from consumer credit reports after 7 years from the date of the first delinquency.

Despite this, the repossession account continues to be reported on my credit report and is being updated monthly, which is a direct violation of 15 U.S.C. 1681s-2 ( a ). This section prohibits furnishers of information from continuing to report inaccurate or outdated information once they know or should know that the information is inaccurate or beyond the allowable reporting period.

The creditor is continuing to update the account monthly, falsely implying recent delinquency activity, which constitutes illegal re-aging of the debt. This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information, and 1681s-2 ( a ) ( 2 ), which prohibits the reporting of outdated derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MO XXXX  :Account Number Date Opened High  Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XXXX XXXX 300 MonthsMonthly 3 Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date  Date Closed XXXX XXXX XXXX XXXX Status - Pays As Agreed; Type of Account - Installment; Type of Loan - Education Loan; Whose Account - Individual Account; ADDITIONAL INFORMATION - Student Loan; Variable/Adjustable Rate;'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
My account with XXXX  EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had paid off XXXX or XXXX credit cards. 
I reduced my monthly bills. I had excellent payment history.. I don't know why someone is putting bad things on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got a call from someone impersonating chase bank saying that there was fraud on my XXXX account ( the number was a chase number but chase verified that they do not ever make these calls ) Because it was a chase number i listened to what they were telling me to do through XXXX with the amount and adding in cancellation numbers into the memo box. He told me that the payment would not go through because my XXXX account was locked and then the payment ended up going through and he told me it would be back in a few seconds. obviously the payment never came back he ended up hanging up on me after i confronted him that it was a scam. Im a young women leaving for a vacation tomorrow and he took all my money leaving me with {$6.00}. It is absolutely unbelievable that scammers can now call from an actual business number to scam you. How are we supposed to trust anyone? Also chase will do nothing to help me get my money back because i sent the money so we can create the claim.

Company response to consumer: Closed with explanation