vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/year>, USAA Federal Savings Bank deposited {$5000.00} into my checking account. I believed this was a legitimate refund of a legal retainer from a discontinued case. I received no notice from USAA indicating the deposit was made in error. 

On XX/XX/year>, USAA suddenly withdrew the entire {$5000.00} without warning, written notice, or any prior investigation. This withdrawal immediately caused my account to go to approximately {$3800.00}, creating an immediate financial crisis. 

USAAs written Adjustment to Your Account letter ( dated XX/XX/year> ) stated the deposit was returned unpaid by an external financial institution. However, when I called USAA, their representatives told me something entirely different that USAA deposited someone elses check into my account due to an internal posting error. These two explanations contradict each other.

After USAA forced my account negative, my VA disability and retirement deposits on XX/XX/year> were immediately absorbed to offset the negative balance caused by USAA. I attempted to dispute these deposits to preserve my benefits, but on XX/XX/year>, USAA denied both disputes. Their reason was that reversing the credits would cause your account to be overdrawn, even though the overdraft existed only because of USAAs own error.

This situation has made me unable to pay for basic living expenses. My income is fixed and consists only of VA disability and retired military pay.

USAA has refused : A hardship review A repayment plan Provisional credit Restoration of access to my benefits A proper Regulation E investigation Clear or accurate documentation of their actions Their entire review process took approximately 2448 hours, which is inconsistent with the investigation timelines required under Regulation E.

USAA did not follow notification requirements, did not provide an opportunity to dispute the withdrawal before it occurred, and did not provide consistent or accurate explanations for the reversal. Their actions have resulted in the loss of all access to my federal benefits and have caused severe financial hardship.

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-03 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-12-03 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any 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 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early in the morning of XX/XX/year> I messaged a seller on social media who is trying to sell concert tickets. They sent me multiple videos of proof and screenshots that they were going to send me the tickets, and I sent payment through Zelle. After sending payment they sent me a fake transfer email and blocked me on all social media accounts and refused to send back the money. After looking further into their account I realize that they were based in XXXX and not America.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WA

Complaint narrative:
I want to report that I am the victim of identity theft. The following is a detailed account of how my personal information was compromised during a sophisticated IRSimpersonation phone scam in XXXX, leading to multiple unauthorized accounts and derogatory tradelines appearing on my credit reports. In XXXX, I received a call from a person claiming to be an IRS agent. The caller provided my full name and home address and claimed that I owed back taxes that needed immediate payment to avoid arrest or legal action.Believing the call was legitimate, I provided my Social Security number, date of birth, and the last four digits of my Washington drivers license. I later discovered that this call was part of a sophisticated IRSimpersonation scam. The fraudster used the information I provided to open multiple consumer credit accounts, lines of credit, and collection accounts in my name. These accounts were opened without my knowledge or authorization. I never received goods, credit cards, or statements associated with these accounts at my home address. While preparing mortgage paperwork, I pulled my consumer credit reports and discovered twentythree ( 14 ) tradelines and multiple unfamiliar inquiries dated between XXXX and XXXX which I did not open or authorize. I immediately began contacting furnishers, collecting application records where available, and gathering documentation to support an identitytheft dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS TO 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 2025-12-03 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
CFPB COMPLAINT # 3 Portfolio Recovery Associates ( PRA ) * Account # XXXX XXXX Amount : {$630.00} Company : Portfolio Recovery Associates , LLC Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account # : XXXX XXXX  Amount : {$630.00} Type : Debt Buyer Account Complaint Summary I am filing a complaint against Portfolio Recovery Associates ( PRA ) for violations of the FDCPA and FCRA. PRA is reporting a collection account for {$630.00} to XXXX without providing any validation, documentation, or proof that they own the debt.

As a debt buyer, PRA is required to maintain and provide all documents confirming ownership. They have provided nothing.

FDCPA Violations 809 ( b ) Failure to validate the debt 807 ( 2 ) Misrepresenting ownership of the debt 808 Attempting to collect amounts not authorized FCRA Violations PRA is furnishing inaccurate and unverified information to XXXX, violating : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 611 ( a ) FCRA 602 ( A ) Validation Required I request the CFPB compel PRA to provide : 1. Original signed contract/agreement 2. Full itemized account ledger 3. Proof of purchase of the debt 4. Complete chain of assignment/title 5. Payment history 6. Proof PRA is legally licensed to collect in Texas If PRA can not validate, they must delete the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT # XXXX Credit Collections Services ( XXXX XXXX ) Company : Credit Collections Services ( CCS ) Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account # : XXXX XXXXXXXX Amount : {$300.00} Original Creditor : XXXX XXXX Reporting Agency : XXXX  Report Date : XX/XX/year> Complaint Summary I am filing this complaint because Credit Collections Services is reporting a collection account to XXXX without providing any required validation as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This account is being reported with missing, inconsistent, and unverifiable information.

The account shows no payment history, no last payment date, and provides no documentation proving CCS has legal authority to collect or report this debt.

FDCPA Violations The debt collector has violated : FDCPA 807 ( 1 ) Misrepresentation of the character, amount, or legal status FDCPA 809 ( b ) Failure to provide validation upon request FDCPA 808 ( 1 ) Attempting to collect fees not expressly authorized CCS has never mailed me any notice required under FDCPA 809 ( a ), nor provided any validation.

FCRA Violations CCS is furnishing information to XXXX that is : Inaccurate Unverified Incomplete This violates : FCRA 623 ( a ) ( 1 ) ( A ) Duty not to report inaccurate information FCRA 602 ( A ) Requirement for maximum accuracy FCRA 611 ( a ) Failure to reasonably investigate Validation Demanded Please compel CCS to produce : 1. A copy of the original signed contract with XXXX XXXX 2. Full itemization of charges, taxes, equipment fees, and service periods 3. Complete chain of assignment/ownership 4. Proof CCS is licensed to collect in Texas 5. Date of last payment ( XXXX  shows : none reported ) 6. Evidence that the amount of {$300.00} is accurate and lawful If CCS can not validate the debt as required, I request immediate deletion from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
For years, I have disputed invalid accounts and debts with Transunion that are being reported on my credit file. Starting as early as XXXX, I have mailed disputes and requested copies of original credit applications showing my signature on them. Time and time again, Transunion has refused to investigate these accounts. I have received bogus responses telling me they can not investigate these items because they can not verify it is me who is sending the dispute. I have provided everything they have asked for, including copies of my driver 's license, pay stubs, utility bills, copy of my social security card. I am still suffering from damages to my credit report and reputation due to these invalid debts being reported. I am previously the victim of identity theft and have an extended fraud alert being reported on my credit. I have been successful in having other credit reporting agencies remove these incorrect accounts from my credit report. Transunion refuses to do a thorough investigation. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am disputing the following charged-off account on my TransUnion credit report : XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : 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 2025-12-03 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: TN

Complaint narrative:
I don't remember the exact date but the amount was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: WA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
NOT A XXXX DUPLICATE COMPLAINT AS THE WRONG INFORMATION IS STILL SHOWING ON CHEX SYSTEMS DESPITE THEM RESPONDING AND STATING OTHERWISE. I GUESS THE CFPB IS IN THEIR XXXX POKCKETS FOR JUST CLOSING THE XXXX AND ACTING LIKE IT WAS RESOLVED WHEN IT WAS NOT. 


I have the right to dispute inaccurate and unverifiable Information that's on ANY REPORT. THE CFPB IS LYING IN ALL COMPLAINTS. I REQUESTED INFORMATION FROM THE COMPANY. THE CFPB MARKED IT AS I DID NOT WHEN I SELECTED I DID.

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