vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX XXXX. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX XXXX. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under XXXX U.S.C. XXXX, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX U.S.C. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-27 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: MI

Complaint narrative:
I am filing this complaint because my credit file contains multiple false items that violate federal accuracy and verification requirements under the Fair Credit Reporting Act. These incorrect addresses continue to harm me and must be removed. I request immediate CFPB review and enforcement so the bureaus and furnishers verify each item with proper documentation or delete them. 

ADDRESSES XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have never lived at this address and have no association with it. This inaccurate listing misrepresents my identity and causes confusion when lenders attempt to verify my information. Since the address can not be verified with any documentation from me, it must be deleted. 
FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 22327 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This address does not belong to me and was never part of my residence history. The bureau is required to ensure that all personal identifying information reflects the consumer accurately, and this address fails verification under FCRA 607 ( B ). I request immediate deletion.

FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 I request full reinvestigation and deletion of all unverifiable information listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
have XXXX CapitalOne credit cards cards " in good standing status '' that have been suspended for fraud in less than XX/XX/XXXX month because I chose to pay off my petty {$300.00} limits before the due dates. I called CapitalOne immediately to justify my identity telling them that it was in fact me whom submitted payments to them. They in returned requested deeper personal information that they do not need unless CapitalOne is actually the IDENTITY THIEF. Both of the premature accounts are now stuck closed on my credit report And also destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Capital One regarding my {$2900.00} airline travel credit, which I intended to redeem for a XXXX XXXX flight. The Capital One XXXX XXXX would not load my booking options, so I spoke with multiple agents over a period of XXXX hours attempting to resolve the issue. 

During XXXX of these calls, a Capital One agent explicitly instructed me to book the flight directly with XXXX XXXX and assured me that the travel credit could be applied afterward. I confirmed this instruction twice to ensure I was following the correct procedure. Based on these instructions, I purchased the tickets for {$3300.00}. 

After the purchase, I called back and spoke with a supervisor, who stated that the problem would be resolved within XXXX hours and that I would receive a callback confirming the resolution. I never received a callback, and the issue remains unresolved. 

To make matters worse, XXXX agent later informed me that the travel credit was a total loss and that I would not be able to recover it, despite following the companys instructions exactly. Each representative I have spoken with since has provided conflicting information, and no one has taken responsibility for the original agents guidance. 

As a result, I have been misled, spent a significant amount of time on the phone, and incurred financial harm due to Capital Ones repeated errors and lack of accountability. The failure to resolve this issue demonstrates poor internal communication and negligence on the part of the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am submitting this complaint as my XX/XX/XXXX formal request for the permanent removal of multiple inaccurate, unverifiable, and unauthorized items that continue to appear on my credit report despite my prior disputes, including charged-off accounts, a collection, and unauthorized inquiries. The charged-off accounts XXXX XXXX XXXX {$0.00} ), XX/XX/XXXX ( {$1500.00} ), and XX/XX/XXXX ( {$1900.00} ) XX/XX/XXXXremain reported without proper verification, and no documentation, including the required Form XXXX for debts above {$600.00}, has been provided to confirm their legitimacy. Under FCRA XXXX ( b ) [ 15 U.S.C. XXXX ( b ) ], credit reporting agencies must maintain maximum possible accuracy, and FCRA XXXX ( a ) [ 15 U.S.C. XXXX ( a ) ] mandates thorough reinvestigation of disputed information. Because these accounts can not be verified, they must be permanently deleted. Additionally, the collection account XXXXXX/XX/XXXX ( {$0.00} )XX/XX/XXXX continues to appear despite showing no outstanding obligation, which violates FCRA XXXX / 15 U.S.C. XXXX, FDCPA XXXX [ 15 U.S.C. XXXX ], and XXXX XXXX [ 15 U.S.C. XXXX ], requiring proper verification and prohibiting false or misleading reporting. Furthermore, the following inquiries appear without my authorization : XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX. Under FCRA XXXX [ 15 U.S.C. XXXX ], XXXX ( a ) [ 15 U.S.C. XXXX ( a ) ], and XXXX ( f ) [ 15 U.S.C. XXXX ( f ) ], consumer reports may only be accessed for a permissible purpose, and these inquiries can not be verified as authorized. Because all of these accounts, collection, and inquiries are unverifiable or unauthorized, I am formally demanding their permanent removal from my credit report. This is not a request for correction ; it is a legal demand for complete deletion. Continued reporting constitutes willful violation of federal law and may expose the reporting bureau to liability.

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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under XXXX U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Summary : USAA suddenly froze my account without notifying me or giving any explanation. Despite verifying my identity multiple times and calling repeatedly for hours, USAA refuses to unfreeze my account, refuses to tell me why it was restricted, and will not provide any assistance or escalation. I can not access my own money. 

Details : I have been a long-term USAA member XXXX and my account has always worked normally. I have lived in XXXX for years and regularly access my account from here without issues. Today, after calling USAA to check on my debit card, the representative applied a restriction on my account. Immediately afterward, all of my accounts were frozen. 

Since then, I have been calling USAA continuously for hours. Every representative tells me they can not see my account, can not access my profile, or can not help, but no one will explain the reason for the freeze. No one will escalate the case, and I was told I would have to wait XXXX business days for a supervisor callback, which is unreasonable since I can not access my funds. 

I have verified my identity multiple times, but USAA still refuses to unfreeze my account or provide any timeline or path for resolution. I was given an escalation case number ( XXXX ) but no one will tell me who is handling it. 

I am currently unable to access my own money despite meeting every verification requirement. 

Requested Resolution : Immediate unfreezing of my account A clear explanation of why the restriction was placed Confirmation that the restriction has been removed A direct contact person who can resolve the issue Harm : I am experiencing severe financial hardship because USAA has frozen my money without explanation and refuses to provide assistance. I can not wait several days without access to my funds. I was threatened by the gas station attendant due to the inability to pay for gas. I have been stuck at the gas station for over XXXX hours. Or risk going to jail. 

USAA Case/Reference : 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 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ALLY FINANCIALs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. ALLY FINANCIAL has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

ALLY FINANCIAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
I am filing this complaint because my consumer report is showing multiple unauthorized inquiries that violate the Fair Credit Reporting Act. I never approved these inquiries, and they do not meet the standard of permissible purpose under federal law. Their presence is harming my credibility, and I am requesting immediate investigation and removal. 

INQUIRIES XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me and has no permissible purpose. 
15 U.S.C. 1681b 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i XXXX XXXX XXXX XXXX  XX/XX/XXXX I did not authorize this inquiry and have no connection or application with this entity. 
15 U.S.C. 1681b 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry was placed without my consent and must be removed for failing to meet legal accuracy and authorization requirements. 
15 U.S.C. 1681b 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i These inquiries violate my rights under the FCRA, and I request the CFPB to ensure immediate correction and 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-27 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates XXXX XXXX. XXXX ( XXXX ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under XXXX XXXX. XXXX. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under XXXX U.S.C. XXXX, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated XXXX U.S.C. XXXX by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Balance : {$870.00} - Date Opened : XX/XX/XXXX XXXX CARD # XXXX - Balance : {$4700.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$770.00} - Date Opened : XX/XX/XXXX XXXX BANK XXXX # XXXX - Balance : {$2200.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$730.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$21000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$19000.00} - Date Opened : 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 2025-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: WA

Complaint narrative:
In XXXX I was contacted by a company I believe was named NelNet, and they signed me up for a XXXX  month payment plan to forgive my student loan from XXXX. I made XXXX {$100.00} payments to them in the form of {$100.00} a month. I spoke to a XXXX or XXXX from NelNet and they told me the remainder of my student loan was forgiven. Now all of a sudden I still have the XXXX dollar loan on my credit report and I keep getting emails and calls to pay it. Im not paying anybody anything else for that loan, and I want my loan forgiven and to be left alone about it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a lawful and reasonable reinvestigation of inaccurate late payment reporting, despite prior notice and a detailed dispute. 

I submitted a dispute identifying XXXX accounts reported with late payments that are factually incorrect and the result of creditor-side reporting errors : XXXX Account # XXXX ( Late date reported : XX/XX/year> Experian closed my dispute without providing any documentation, verification records, or proof that a real reinvestigation was performed. Under FCRA XXXX, Experian must conduct a reasonable reinvestigation and delete any information that is inaccurate, incomplete, or can not be verified. Under FCRA XXXX, furnishers are prohibited from reporting information they knowor should knowis inaccurate. These late payment entries are not accurate, not verifiable, and originate from posting/transmission errors, not from any delinquency on my part. 

Experian has failed to provide the method of verification, the identity of the verifier, or any supporting documents. Instead, they continue to report false derogatory data, which constitutes willful and negligent noncompliance with 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 explanation
Consumer complaint received 2025-11-27 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: AR

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and XXXX  contain several hard inquiries that I did not authorize, did not initiate, and did not consent to, yet they continue to remain on my reports without proper verification. These inquiries include XXXX dated XX/XX/year>, XXXX  dated XX/XX/year>, XXXX dated XX/XX/year>, XXXX XXXX  dated XX/XX/year>, and XXXX XXXX XXXX dated XX/XX/year> XXXX I did not apply for credit with any of these companies during these times, and no permissible purpose exists under FCRA 604 ( a ) for them to have accessed my credit file. I disputed each inquiry with all three credit bureaus as permitted under FCRA 611, but the bureaus have failed to provide documentation proving my authorization or any legitimate credit application. These inquiries were allowed to remain even though they are unverifiable and may be outdated according to FCRA 605 ( a ) and the general requirement under FCRA 605 to remove information that can not be substantiated. The bureaus refusal to correct or remove these entries has left my credit profile inaccurate, misleading, and noncompliant with federal law, and it has caused me unnecessary stress, concern, and difficulty managing my credit responsibly.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, Equifax and TransUnion will investigate this account for me to ensure accuracy. 

Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS : XXXX XXXX Here is the correct personal information : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, Equifax and TransUnion will investigate this account for me to ensure accuracy. 

Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS : XXXX XXXX Here is the correct personal information : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS :

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