vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
In XXXX, my husband and I opened a joint credit card with USAA. While I am listed on the account, I do not use the cardmy husband uses it exclusively for his business expenses. We have paid the balance to XXXX  multiple times over the years, but the current high balance affects my credit score due to its impact on my utilization ratio. 

Despite my requests to be removed from the account, USAA refuses to take my name off unless the available credit ( approximately {$17000.00} ) and interest rate are also removedpenalizing us financially for my removal. We submitted a formal letter and appeal, but our request was denied. 

I am seeking assistance because my inclusion on this account is negatively impacting my credit profile, which directly affects my ability to secure favorable terms on loans related to my real estate business. This joint account was opened under very different circumstances, and I no longer wish to be associated with it.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally express my concern and confusion regarding the recent notice I received about the planned closure of my XXXX XXXX account ending scheduled for XX/XX/year>. The notice mentioned activity inconsistent with typical customer account usage as the reason for closure, but no specific details have been provided, even after I called your customer service line. 

I have consistently used this account for my regular financial activity, including direct deposit from my employer and payments for routine bills many of which are set up on autopay. Given that my usage has been standard and responsible, I do not understand what activity is being considered inconsistent. 

I value my relationship with XXXX XXXX and would greatly appreciate the opportunity to discuss this further or provide any clarification needed to keep my account open. If there has been a misunderstanding, I am more than willing to work with the appropriate department to address and resolve it. 

Please consider this a formal request for a review and response. I am committed to maintaining a positive and transparent banking relationship with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Advanced Resolution Services Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Advanced Resolution Services Inc ( ARS ) challenging the accuracy and legal validity of several items being reported in their consumer data file related to me.

This dispute letter was submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) including sections 15 U.S.C. 1681i ( a ), 1681e ( b ), 1681s-2, and the XXXX XXXX data reporting standards. Despite my request for a reinvestigation and documentary evidence supporting the accuracy of the disputed information, ARS has not responded, failed to correct or delete unverifiable data, and has continued reporting information that is demonstrably inaccurate, outdated, or unverifiable.

Violations Cited 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information after dispute.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to notify me of reinvestigation results within the required timeline.

Disputed Items Identified in My Letter Accounts XXXX Acct # : XXXX, XXXX Reported as closed but continues to show derogatory history despite full payment. 
Creditor had agreed to remove this tradeline post-settlement ; ARS failed to comply. 

XXXX Acct # : XXXX, XXXX, XXXX Data discrepancies across balances, dates opened, and payment status. 
Improper reporting of rehabilitation program with no documented validation. 

XXXX  XXXX Acct # : XXXX Consumer disputes the opening date and terms. No validation of permissible use. 

XXXX XXXX  XXXX Acct # : XXXX Agreement satisfied via tax offset; late remarks should not remain. 

Collections XXXX XXXX Acct # : XXXX, XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX XXXX Acct # : XXXX All items lack supporting documentation, and consumer disputes their accuracy. 
XXXX XXXX XXXX XXXX XXXX # : XXXX Lacks court jurisdiction detail as required under reporting rules. Must be removed. 
Inquiry XXXX XXXX  Dated XX/XX/XXXX No permissible purpose documented under 15 U.S.C. 1681b. Must be deleted.

Personal Information Errors Incorrect employers, name variants, address inconsistencies, and a misdated XXXX. 
These errors contribute to potential identity fraud risks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I looked at a copy of my credit report and noticed several inaccuracies on my account. ( XXXX XXXX  ). This account is hurting my ability to obtain credit. It's my understanding that Experian, Equifax & TransUnion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX XXXX/ XXXX Account No. 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 2025-05-07 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a check credit/line of credit opened at XXXX on XX/XX/2022 under the account number XXXXXXXX XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XX/XX/year>, I sent {$2000.00} to XXXX XXXX XXXX XXXX to XXXX XXXX XXXX I met XXXX on XXXX, a dating website. He told me he was in XXXX, XXXX over-seeing a pipeline project, and that his personal bank account had been hacked. He needed cash to fly back to the U.S. so he could straighten out his account. I used XXXX to send the money to his aunt, who would then forward it to his business ( XXXX XXXX ) and they would get it to him.

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 2025-05-07 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: OH

Complaint narrative:
I requested inquiries to be removed from my credit report due to being a victim of the XXXX XXXX XXXX and data breaches in the past. I also requested the inquiries be removed due to not being mine. Transunion responded with a XXXX letter multiple times. Not only that but they stated that they had to stay for 2 years as well and I had to contact every creditor who had an inquiry listed in order for them to be removed. This is a violation of the FCRA. No where in the FCRA does it state that I have to contact the furnisher for the Inquiries to be removed furthermore I received documentation in regards to being a victim in the case XXXX XXXX. Transunion for this is exact same reasoning within the case. I am uploading the document I received in the mail to support my past inquiry disputes requesting that Transunion remove the inquiries because they were unauthorized by me and I did not get a proper investigation as well. I am requesting the following inquiries to be removed below : XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX {$390.00} XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-07 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: DE

Complaint narrative:
XXXX, XXXX, and TransUnion are all reporting two charge-off accounts : XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$900.00} and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$1100.00}. These charge-offs are being reported inconsistently and inaccurately, and I am deeply concerned about the integrity of the data being presented. A charge-off is a serious derogatory item, and reporting such without clear, verifiable documentation is not only misleading but also legally problematic. 

I have never received any notification, account history, or proper validation to substantiate the legitimacy of these alleged charge-offs. There is no proof that these balances are accurate, that the debts were properly calculated, or that the original agreements were signed by me. It is essential for credit bureaus to ensure that all data reported is accurate, complete, and legally sound, yet none of these requirements have been met in this case. 

The inconsistency of reporting across all three bureaus is particularly troubling, as it suggests potential mishandling of data, either due to internal processing errors or as a residual effect of data breaches that have compromised consumer information. It is widely known that data breaches and information leaks can lead to erroneous reporting and the inclusion of inaccurate or even fraudulent accounts. Without the ability to verify the origin, history, or resolution of these charge-offs, XXXX, XXXX, and TransUnion are willfully allowing damaging, misleading, and unverifiable information to be attached to my credit profile. This has resulted in unwarranted harm to my financial reputation and has likely impacted my ability to secure financial opportunities.

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 2025-05-07 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:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like XXXX being taken advantage of and being ignored for my disputes. 
Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX .. Loan Processor from B of A ... Closed an Assumption Loan ... Between Spouses Against ME in XXXX without Due Process .. No Warning .. No XXXX .. No Letter Has Lied .. proven in her XXXX to Me as to why. On XX/XX/XXXX she gave me reasons for Dropping the Loan and I have Proven XX/XX/XXXX.... SHES Lying .. all in XXXX to Me. I would rather be Denied a Home Loan than to be Dismissed FALSELY. I was Not denied .. My Case was Simply CLOSED for No Good Reason. And XXXX XXXX lied to me for reasons Why.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Back in 2019 I had a company line while working for XXXX which they were responsible for paying for the line. I eventually left the corporation when it was bought by XXXX I never owned the phone line, the phone had my name in order to identify the employee lines. I returned the phone and everything that belonged to the company before ending my assignment with XXXX. I did not pay for the line, the store manager and the back end paid the phone line.

Company response to consumer: Closed with explanation