vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am officially filing my last written correspondence here before take legal action against this company. I have alerted them and the credit bureaus that account the have on my report is NOT MINE. I never authorized any service or this credit card company. 
I am an XXXX XXXX XXXX  member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware this is not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX RE : Cease and Desist / Account Termination Notice Account Number : XXXX To Whom It May Concern : This letter serves as a formal notice and demand that Harley-Davidson Financial Services immediately cease and desist all communications, billing, reporting, or collection activity related to the above-referenced account. 

Effective upon receipt of this notice, I hereby revoke any and all authorization or consent previously granted to contact me by any means, including mail, email, telephone, or third-party correspondence. 

Further, I am exercising my right to terminate and close this account in full, and I demand that Harley-Davidson Financial Services permanently remove all records, inquiries, and references related to this account from any and all systems, reports, or credit files under your control. 

Any continued contact, correspondence, or attempt to collect after receipt of this notice shall constitute willful harassment and interference with a private citizens affairs, and will be documented accordingly. 

Please provide written confirmation that the above-referenced account has been closed and that no further contact or reporting will occur. 

Respectfully, All Rights Reserved UCC 1-308 Without Prejudice XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 2025-10-28 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a few late payments with navy federal credit union secured credit that are hurting my score and my future badly. I asked them to remove them as my account is back in current ; I explained to them the reason why I had issues paying but was dismissed. It happened during a time of hardship for me and I was unemployed, and I called the bank at the time to ask for a waive or more time to pay but I was dismissed.I paid the late fees and asked that the late does not stay on my score but I was dismissed. I need help with this matter please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Credit inquiries from jpmcb that I didn't apply for. I called them and was told it appeared to be a fraudulent application but it still shows on my report. There is also an inquiry from XXXX XXXX  that I didn't apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: KY

Complaint narrative:
This is a Formal Complaint Against Equifax Concerning XXXX XXXX  Account Number XXXX Reporting To Whom It May Concern, I am filing this complaint against Equifax regarding their handling of my dispute concerning a XXXX XXXX Account Number XXXX account appearing on my credit report. On XX/XX/year>, I submitted a dispute challenging the following inaccuracies and inconsistencies : Account Number the number being reported is not valid. Late Payments the count of late payments is inaccurate. Open Date and Close Date the dates are reported incorrectly. Balance the balance being reported is inaccurate. I also specifically instructed that I do not consent to electronic communications and that all responses must be sent to me via USPS mail only. In addition, the account being reported contains no valid account number, no identification of the current creditor or owner, and no indication of whether this account has been sold or transferred. Without this information, there is no way for me to verify or contact the alleged creditor. Reporting an account without showing ownership or assignment makes the data unverifiable under the FCRA and requires immediate deletion. Despite the requirements of the Fair Credit Reporting Act, Equifax has never responded in any form. I received no reinvestigation notice, no documentation, and no mailed communication of results. This is a willful violation of federal law and a denial of my consumer rights. Violations of the FCRA and CFPB Regulations Failure to Reinvestigate Disputed Information ( 1681i ( a ) ( 1 ) ) Equifax was legally obligated to complete a reinvestigation within 30 days. They failed to act altogether. Failure to Notify the Consumer of Results ( 1681i ( a ) ( 6 ) ) Equifax failed to provide me with any written results of the dispute reinvestigation, by mail or otherwise. Failure to Provide Verification ( 1681i ( a ) ) Equifax did not provide the documentation or evidence I demanded to verify the accuracy of this account. Failure to Correct or Delete Inaccurate/Unverified Information ( 1681i ( a ) ( 5 ) ) Since Equifax failed XXXX verify or reinvestigate, the XXXX XXXX  Account Number XXXX account must be deleted. Failure to Maintain Reasonable Procedures ( 1681e ( b ) ) By continuing to report inaccurate and unverified information without review, Equifax is knowingly harming my credit profile. Resolution Demanded Because Equifax has failed to meet its legal obligations, failed to provide documentation, failed to communicate by USPS mail as required, and is continuing to report inaccurate and unverified information, I demand immediate corrective action. I demand immediate deletion of the XXXX XXXX Account XXXX XXXX account from my Equifax credit file, as well as any other collection company due to either one not being verified by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/2025, I used my debit card to make a {$10000.00} payment to a business called XXXX XXXX. I believed I was purchasing a legitimate product they advertised. It was later revealed that the business was under FBI investigation for commercial fraud. 

The transaction was processed at a branch teller. I specifically informed the teller that I wanted to make a payment using my card. I provided the deposit slip with the merchants account information, and the teller requested my physical card and instructed me to enter my PIN. At no point was I told that the transaction would be processed as a manual cash withdrawal. I had a reasonable expectation that this was a card purchase. 

After learning about the fraud, I filed a dispute with my bank under XXXX  XXXX Liability Policy and Regulation E. The bank denied the dispute, claiming that the transaction was a voluntary cash withdrawal. However, this classification is inconsistent with the documentation provided by the bank. 

The bank provided XXXX slips related to the transaction : The deposit slip shows my handwriting and confirms the funds were deposited into a third-party commercial account. 
The withdrawal slip contains handwriting and a signature that are not mine. I did not complete or sign this document. This raises concerns about the operational handling of the transaction. 

I requested documentation supporting the banks classification, including any signed withdrawal authorization, investigation findings, and justification for denying XXXX Liability protection. The bank did not provide a signed withdrawal authorization from me. 

Because this was a fraudulent commercial transaction processed through the XXXX XXXX, it should be protected by the XXXX XXXX Liability Policy and Regulation E. The denial appears to be based on an internal classification rather than the nature and purpose of the transaction. 

I respectfully request that the CFPB require the bank to : reopen the investigation, provide documentation supporting its classification, and issue a refund of {$10000.00} according to applicable consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TransferWise Ltd
State: HI

Complaint narrative:
On Sunday, XX/XX/XXXX, I went with my family to XXXX XXXX XXXXXXXX XXXX XXXX. After I left the park, we went to XXXX to get some drinks. While there, I noticed that my card had gone missing and that it was not in my possession anymore. I paid for the drinks with my XXXX XXXX card on my phone. I then contacted my bank, Wise Bank, to inform them that the card was lost and to request a new card. While requesting a new card through their app, it asked me if any transactions that were posted were mine or not. I noticed that there were XXXX transactions on the account which I did not perform. The app also stated that they were made with the same card in which I lost. The transactions were both at XXXX XXXX. XXXX for {$6.00} and another for {$51.00}. I disputed the transactions at this time. A few hours later, I received an email back from Wise on the same day stating that They couldn't confirm the reported transaction as unauthorized and that I can respond to the email and request the documentation usd for the investigation. I responded and requested this documentation, however, to date, have not received it. I contacted support on XX/XX/25 to request this again and to reaffirm that I did not perform these transactions, only to be shut down, and the agent I was speaking with via chat, XXXX, informed me that they did send this to me. I once again stated that I did not receive this email. Wise Bank did not complete an investigation and even when requesting the investigation to be reopened with my new information of what I did that day, they still refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MI

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4300.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-28 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
To : Office of the President / Complaint Department USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Fraudulent Transactions, Unauthorized Account Access, and Tampering with Evidence Related to Direct Deposits, Auto Theft and VA Benefits Dear USAA Complaint Resolution Department, I am submitting this formal complaint against USAA Bank concerning a pattern of fraudulent activity, unauthorized access, and misconduct that has directly impacted my financial accounts, VA benefits, and property ownership related to a XXXX XXXX XXXX XXXX 

1. Background and Summary I am a long-term USAA member and a recipient of VA-related benefits that have been deposited into my USAA account. Beginning around XX/XX/XXXX, I identified unauthorized transactions, automatic payments, and changes to my account settings that I did not approve. These activities appear to have been deliberately executed to conceal theft of services, tampering with records, and the unlawful repossession and/or theft of my vehicle.

2. Fraudulent and Unauthorized Activity Unauthorized automatic payments and withdrawals were processed without my consent or verification. 

My VA benefits were redirected or misapplied, resulting in missing or incomplete payments. 

Unauthorized logins and account changes occurred, including modifications to personal details, notification settings, and linked devices. 

Several unauthorized parties appear to have accessed or used my financial information in connection with fraudulent transactions. 

3. Auto Theft and Evidence Tampering On or about XX/XX/XXXX, my XXXX XXXX XXXX was unlawfully repossessed or taken under false pretenses. Evidence suggests that USAA employees or affiliates may have : Withheld or altered payment history and correspondence records related to the vehicle. 

Failed to properly investigate disputed charges or fraudulent activity. 

Tampered with or destroyed electronic documentation to avoid liability or prosecution for auto theft and related financial misconduct.

4. Violations and Legal Concerns These actions constitute violations of federal and state consumer protection laws, including but not limited to : Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Gramm-Leach-Bliley Act ( GLBA ) regarding unauthorized access to personal information.

18 U.S.C. 1028A Aggravated Identity Theft 18 U.S.C. 1343 Wire Fraud 18 U.S.C. 1519 Destruction or alteration of records in federal investigations

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