vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Hello. I am banker of USAA and I am currently dealing with deceptive and abusive practices. While traveling overseas USAA is continuously restricting my account and unfortunately this is the only bank account that I have. I am a honorable retired veteran and believe that for a bank who is pro military this is incompetent behavior. USAA has left me in multiple risky situations while traveling, such as declining mid-flight purchases, declining hotel purchases causing me to have to scramble to afford a room ( because my XXXX compensation comes through this account ) that are embarrassing knowing my debit card is being declined for purchases while having plenty of funds in my account. I have contacted numerous USAA representatives and informed them of my travel whereabouts. However, they continuously restrict my account for literally every single transaction or withdrawl while traveling. USAA has XXXX my ability to login using my member-given PIN, chat with live representatives, and my ability to retrieve my account through the use of submitting a government id, via logon options that they XXXX using my login criteria for security reasons and I believe that they are attempting to steal my funds for disputes filed. USAA is not following Regulation E guidelines. When they reverse a temporary credit, they do NOT provide information as to WHY THE ERROR OCCURRED which is a violation of Regulation E. This is criminal and discriminatory behavior, considering the fact that they only lock and block access to my accounts after I received deposits. Whenever my account is low, for some strange reason its never blocked. I only deal with security restrictions and no access to my accounts once I receive deposits. Currently, USAA is restricting my account because I have recently received a direct deposit from my native tribe to help me pay for college. USAA has locked my account the same day and has made it nearly impossible for me to access my account again. This is not appropriate behavior of a bank and they need to be investigated. Multiple complaints are all over XXXX about how USAA is locking their debit cards while traveling. If CFPB can contact me via email I request in doing so, because I am not currently residing at the address on file so can not receive letter correspondence. Thank you CFPB for listening and I hope that you guys fix the incompetencies of this bank.

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 2025-08-21 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: OH

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$32000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1900.00}, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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 2025-08-21 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 2025-08-21 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: CA

Complaint narrative:
There is an inquiry on my credit report that I do not recognize. I did not authorize this inquiry, nor did I give consent for the company to access my credit report or apply for credit with them. This is causing me unnecessary stress and anxiety as I do not understand why or how this happened.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unity Asset Management
State: MI

Complaint narrative:
I received numerous calls from Unity Asset Management located in XXXX XXXX, MI. I do not own the debt to which they are referring. When I called to inform them that they had the wrong person, they were aggressive, rude and insisted that my husband owns the debt that they have been repeatedly calling me about. When I told them that my husband does not own the debt either, and asked for " proof '' that my husband owns the debt, they gave me what they thought was his cell number, but the number they provided was NOT my husband 's phone number.

I asked how they got my contact information and they responded they received it through one of their online systems that was " very accurate. '' Clearly not accurate enough.

In short, this company has repeatedly called me about a debt that I have no connection with, and when I called them to ask them to stop calling me they aggressively insisted that I needed to get my husband to contact them, although my husband also does not have any connection to this debt.

The man I spoke to ( he didn't identify himself ) sounded like a thug who is accustomed to intimidating and strong-arming people, and getting his way. This is absolutely not a professional business. They made a mistake and instead of owning the mistake they were aggressive and rude.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law. 

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices. 

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This credit profile is not an accurate reflection of my responsible financial conduct.

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 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$850.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Information was shared with this company from a previous business relationship where the status of the accounts with the company was shared along with my personal information without my consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: KY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am disputing the accuracy of the following account that appears on my credit report : Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Status : Paid in Settlement, Paid, Closed, was 60 days past due Status Update : XX/XX/XXXX Original Balance : {$13000.00} Term : 48 months Scheduled to remain until : XX/XX/XXXX The reporting of this account is inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), a consumer report should not include information that only reflects transactions or experiences between a consumer and the creditor.

Under 15 U.S.C. 1681s-2, furnishers of information have a duty to ensure accuracy and can not report information that is incomplete, inaccurate, or unverifiable.

Additionally, per 15 U.S.C. 1666b, creditors are prohibited from mischaracterizing payments or reporting them incorrectly for any purpose. 

By reporting this account as Paid in Settlement, Paid, Closed, was 60 days past due, XXXX XXXX has furnished incomplete and inaccurate information. If the creditor can not properly verify this account with supporting documentation, it must be deleted immediately from my credit report in compliance with federal law. 

I am requesting that the CFPB take action to enforce the removal or correction of this account from all consumer reporting agencies.

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 2025-08-21 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: GA

Complaint narrative:
I am submitting a complaint to formally dispute a late payment entry listed on my credit report associated with XXXX XXXX XXXX, account number XXXX, which reports a past due amount of {$1100.00}, opened on XX/XX/XXXX, with the last reported activity on XX/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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-21 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am filing this complaint because my personal information was stolen in XX/XX/2022 and has been fraudulently used to open accounts in my name. I have no contractual agreement with the following companies, and these accounts are the direct result of identity theft. Despite this, they are being reported on my TransUnion credit file : XXXX XXXX XXXX {$380.00}, Acct. # XXXX XXXX XXXX XXXX {$460.00}, Acct. # XXXX XXXX XXXX XXXX {$740.00}, Acct. # XXXX XXXX XXXX XXXX {$1500.00}, Acct. # XXXX These tradelines are fraudulent and must be deleted from my credit report within 4 business days of receipt of this complaint to comply with federal and state law. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate and report only accurate information. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits false or misleading representations in the collection of debt. 

FDCPA, 15 U.S.C. 1692c ( c ) requires debt collectors to cease collection after written notice, which I am demanding here. 

Violations of Louisiana Law : La. R.S. 9:3527 prohibits legal collection of prescribed ( time-barred ) debts unless a new written agreement is signed, which has never occurred. 

La. R.S. 9:3562 prohibits deceptive or misleading practices in consumer credit transactions.

Louisiana Unfair Trade Practices Act ( La. R.S. 51:1405 ) prohibits unfair or deceptive acts or practices in trade and commerce. 

I have filed both an FTC Identity Theft Report and a police report, which are attached to this complaint.

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