vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
In reviewing my credit report, I discovered that USAA Federal Savings Bank is reporting an account as Paid, Closed ; was 120 days past due. This account shows a pattern of delinquencies from 30 to 120 days prior to being closed in XX/XX/XXXX. 

I disputed this information with XXXX XXXX  and XXXX  on XXXX XXXX, XXXX, under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I also sent a direct dispute to USAA on XX/XX/XXXX, requesting verification and documentation supporting the reported delinquencies in accordance with FCRA 15 U.S.C. 1681s-2 ( b ). As of the time of this complaint, USAA has either not responded or has failed to provide sufficient documentation to substantiate the accuracy of the reporting.

The Fair Credit Reporting Act requires that any information reported must be accurate and verifiable. If a furnisher of information ( USAA in this case ) can not fully verify the data with supporting documentation, the information must be corrected or removed.

I am requesting that USAA provide complete verification of the alleged late payments or immediately instruct the credit bureaus to delete this negative reporting. Continued reporting of unverifiable or inaccurate data constitutes a violation of the FCRA.

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 2025-04-29 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: 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFCAPSYS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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 2025-04-29 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: 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 XXXX5 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 2025-04-29 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-04-29 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: PR

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for its failure to respond to a written dispute I submitted concerning inaccurate information in my credit report, in direct violation of its obligations under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/2025, I mailed a dispute letter to TransUnion via XXXX Certified Mail ( tracking number : XXXX ). In that letter, I disputed several inaccurate account entries as well as erroneous personal information appearing on my consumer credit file. 
To enable proper verification of my identity and address, I included the following documents with my dispute : A copy of my government-issued photo ID ; A copy of my Social Security card ; and A recent lease agreement shows my current residential address.

Despite providing all required documentation and submitting a timely and valid dispute, TransUnion has failed to issue any response or provide the results of a reinvestigation. This lack of action represents a clear failure to comply with Section 611 of the FCRA ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumers dispute. 
To substantiate this complaint, I am attaching a copy of the dispute letter sent, along with proof of certified delivery. 
In light of TransUnions noncompliance, I respectfully request that the Consumer Financial Protection Bureau take appropriate enforcement action to compel TransUnion to investigate and resolve the disputed information. I also demand that TransUnion immediately and permanently remove the inaccurate items from my credit report and issue a formal confirmation of corrective action.

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 2025-04-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Misappropriation of XXXX Funds by Capital One Bank To Whom It May Concern : On XX/XX/year>, I used XXXX to send {$100.00} from my Capital One Bank account to a contractors Capital One account as a deposit. This transaction was processed successfully by XXXX, and the funds were received by the recipients account. 

However, I was later informed that the contractors account was overdrawn and subsequently closed. Capital One representatives explained to the recipient that the funds would be returned to me due to the account status. They were not returned.

Instead, Capital One applied the funds toward the recipients overdraft balanceeffectively converting money that was sent for a specific third-party purpose into recovery for their own debt. This transaction, which Capital One acted as both the processing and receiving bank for, resulted in my {$100.00} being diverted from its intended purpose to benefit the bank directly. 

Despite filing a claim, ( Capital One claim reference XXXX ) denied it. I refiled the claim at their agents request which was then ignored. In follow-up calls, Capital One stated that because the funds were sent to the account I specified, they are not liable. However, they have not addressed the central issue : that they accepted and retained my funds for their own benefit after the intended recipient became unable to receive them. 

To make matters worse, I was forced to send an additional {$100.00} by other means to the contractorbringing my out-of-pocket total to {$200.00} for what was originally a {$100.00} deposit. 



Key issues : Capital One acted as both the sending and receiving bank.

The recipient was unable to access the funds due to Capital Ones internal actions ( overdraft/closure ).

Capital One converted my funds for its own benefit.

Capital One has refused to explain why this is fair or justified. 




I believe this action is improper, possibly systemic, and deserves review. I am including the relevant account information, claim reference numbers, and my full contact details for follow-up. 



I respectfully request that this matter be investigated and that the funds be returned or credited accordingly. I am also open to a discussion with a supervisory or regulatory authority to ensure this issue is properly understood. 



Details : Sender : XXXX XXXX XXXX : {$100.00} Sent from : Capital One checking Date : XX/XX/year> Method : Sender used XXXX through Capital One App. 

Recipient : XXXX XXXX Recipient Account : Capital One Capital One Agent ID XXXX Thank you for your attention to this matter. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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:
I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under 15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.

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 2025-04-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 a personal credit card account opened at 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  These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the account in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquirie 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, are the result of identity theft and fraud. I request, pursuant to FCRA 605B 15 U.S.C. 1681c-2 that the Equifax credit reporting agency block all of the accounts, collections, identified in this CFPB complaint from my consumer credit file within 4 business days of receiving this complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$5000.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$1200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance {$730.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance {$580.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Balance {$580.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Balance {$580.00} Open Date XXXX XXXX XXXX XXXX XXXX XXXX Balance {$580.00} Open Date XXXX XXXX XXXX XXXX  Balance {$410.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX 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