vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
In XX/XX/2025, I had got a copy of my credit report and saying that there was a lot of an accurate information that did not belong to me. I recently discovered I was a victim of identity that during this time I have reported this problem to the local authorities in XXXX XXXX and I sent to the FTC which I have a reference number for. XXXX. I have been getting phone calls from unknown sources trying to work with the companies, but they are not working with me.We discovered it was my ex stepfather and he used mine and my moms name. We are prosecuting this to the full extent of the law. We wish to have the information deleted and removed from the report .. there are several inquiries. I will list them below. There is a collection account on a utility company. Also that does not belong to me. The inquiries are one 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 auto finance Leasing desk XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all three of my reports. There is also a collection account from XXXX and associates from XXXX, Indiana in regards of XXXX XXXX  account number ending in XXXX for the amount of {$460.00} that does not belong to me. I reached out to this company last month. I have yet to hear back from them. I also have been getting collection calls from spectrum I have let them know that it does not belong to me. They have yet failed to send me any information on the address to where the services was used or any information towards 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 non-monetary relief
Consumer complaint received 2025-07-22 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:
In XX/XX/2025, I had got a copy of my credit report and saying that there was a lot of an accurate information that did not belong to me. I recently discovered I was a victim of identity that during this time I have reported this problem to the local authorities in XXXX XXXX and I sent to the FTC which I have a reference number for. XXXX. I have been getting phone calls from unknown sources trying to work with the companies, but they are not working with me.We discovered it was my ex stepfather and he used mine and my moms name. We are prosecuting this to the full extent of the law. We wish to have the information deleted and removed from the report .. there are several inquiries. I will list them below. There is a collection account on a utility company. Also that does not belong to me. The inquiries are one 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 auto finance Leasing desk XXXX XXXX XXXX XXXX XXXX XXXX All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all three of my reports. There is also a collection account from XXXX and associates from XXXX, Indiana in regards of XXXX XXXX  account number ending in XXXX for the amount of {$460.00} that does not belong to me. I reached out to this company last month. I have yet to hear back from them. I also have been getting collection calls from spectrum I have let them know that it does not belong to me. They have yet failed to send me any information on the address to where the services was used or any information towards it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
The fraudulent inquiries are affecting my ability to obtain credit. Please delete them. I filed an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I had got a copy of my credit report and saying that there was a lot of an accurate information that did not belong to me. I recently discovered I was a victim of identity that during this time I have reported this problem to the local authorities in XXXX XXXX and I sent to the FTC which I have a reference number for. XXXX. I have been getting phone calls from unknown sources trying to work with the companies, but they are not working with me.We discovered it was my ex stepfather and he used mine and my moms name. We are prosecuting this to the full extent of the law. We wish to have the information deleted and removed from the report .. there are several inquiries. I will list them below. There is a collection account on a utility company. Also that does not belong to me. 
The inquiries are 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 All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all All of these inquiries were not authorized by me and were fraudulently used. Please remove them from all three of my reports. 
There is also a collection account from XXXXXXXX XXXX XXXX from XXXX, Indiana in regards of XXXX XXXX  account number ending in XXXX for the amount of {$460.00} that does not belong to me. I reached out to this company last month. I have yet to hear back from them. 
I also have been getting collection calls from XXXX  I have let them know that it does not belong to me. They have yet failed to send me any information on the address to where the services was used or any information towards it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX XXXX XXXX  {$18.00} XXXX ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX 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 2025-07-22 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: TX

Complaint narrative:
Please validate this debt. See attached document for statement.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> my husband ( XXXX XXXX ) called capital one XXXX  to inquire about canceling a flight we had scheduled for XX/XX/year> from XXXX to XXXX, with a layover in XXXX. 

On the call, we specifically asked if 1 ) we could use this on several flights and 2 ) if it could be used domestically or if there were any restrictions on what flights it could be used on.

We were assured that we could use it on several flights and the only limitation was that we had 1 year from the original booking date to use it, and it had to be used by the original passengers. They said if we had issues using it to call them.

We just tried to use part of it and XXXX XXXX informed us the flight credit is one time use AND can only be used for flights from XXXX. 

We do not live in XXXX, so this is useless to us. As directed by Capital One, we called them to discuss this. They had a supervisor listen to the call recording ( which was 13 minutes long ) and 20 minutes into him listening to it he told us that we did not ask those questions. He said they said it could be used on several flights but that actually meant one booking, and it could just be multiple legs. He also said that to answer our question about using it domestically, the agent said probably, but that restrictions could apply at booking it and to call them. We know that was not what we were told on the phone. We were told yes it can be used domestically from any airport, and if there are any issues give us a call. We asked for the call recording and he refused to give it to us.

We are now out {$3200.00} in unusable flights. We asked the right questions before canceling and were given false information. We also believe that what the supervisor told us was on the call was pieced together from various answers and/or excluded parts of the conversation. We would like either 1 ) a full refund 2 ) restrictions on the flight credits to be lifted or 3 ) the call recording be sent to our lawyer.

The generic email we got about the cancellation said that restrictions sometimes apply on where the flight was from. We decided to trust that we would not fall under location restrictions since we specifically asked that question and were told it wouldnt be an issue.

The supervisor refused to give us the call recording when we requested it. He also refused to transfer our call to his supervisor. When we asked how to make a complaint, he said he would handle it. When I said the complaint was about him, he said it didnt matter, but that I could call back and try to get a different supervisor but I could keep getting him. He kept saying no one was above him to talk to customers.

Capital one travel portal defrauded us and is completely untrustworthy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
The inquiry and address listed on my credit report are inaccurate and not associated with any authorized activity or verified personal information. I did not initiate any credit transaction nor grant permission for the hard inquiry reported. Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only provide credit reports when a permissible purpose exists. This requirement has not been met, and the continued reporting of this inquiry is a direct violation of federal law. Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate personal identifying information. This address must be corrected or removed immediately if it can not be verified as accurate. 
I have formally disputed both the inquiry and the address, and this is a follow-up request to correct and update my file. These items are damaging and misleading. Please act immediately to investigate and remove the erroneous entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/year>, I authorized a balance transfer in the amount of {$1600.00} from my XXXX credit card to pay off my USAA credit card. The transfer went through successfully on XXXX end, and the funds were sent as expected. 

However, more than a month later, on XX/XX/year>, USAA unilaterally reversed the transaction, claiming they had not received the payment. They did this without notifying me or attempting to verify the transaction, and simply re-added the {$1600.00} debt back onto my USAA credit card, leaving me with the original balance on my XXXX card and a new one on USAA effectively doubling my debt. 

I spent weeks going back and forth between USAA and XXXX trying to get answers. XXXX confirmed the funds were sent on XX/XX/XXXX, and I personally provided documented proof of the electronic transfer to USAA, something I should not have even needed to do. Despite this, USAA continued to delay resolution under the guise of research and I still have not received the funds back as of today. 

This situation caused unnecessary financial stress, wasted time, and emotional strain. It was made significantly worse by the fact that my father passed away on XX/XX/year>, just weeks before this issue escalated. While I was dealing with one of the most difficult periods of my life, as an XXXX XXXX XXXX XXXX XXXX currently XXXX XXXX XXXX USAAs failure to process a basic transaction, and their refusal to fix it after I did the legwork for them, added completely avoidable stress to an already overwhelming situation. 

I have yet to receive a full resolution, explanation, or apology, and the funds have not been returned 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 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I used Affirm to finance a {$590.00} wedding planning course from a company called XXXX. The course was marketed as in-depth and professional, but what I received was minimal, shallow content that was delayed by over 24 hours. I messaged the merchant multiple times requesting a refund and got no response until after I escalated the issue.

I submitted two disputes to Affirm one charge was refunded, but the second was denied. I explained that I had not completed the course, it was misrepresented, and the merchant was unresponsive. Despite this, Affirm denied the second dispute and provided no clear explanation.

I do not believe I should be financially responsible for a product that was misleading, overpriced, and unsupported. Im asking Affirm to reverse the charge or cancel the remaining loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-22 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: NC

Complaint narrative:
Issue : XXXX XXXX XXXX and Transunion Violated FCRA Re-Aging, No Validation, and Incomplete Dispute Response I am filing a formal complaint against XXXX XXXX XXXX and Transunion for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
This complaint involves two collection accounts being inaccurately and illegally reported : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/year> Balance : {$930.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/year> Balance : {$1900.00} Violations Committed : 1. False Delinquency Reporting / Conflicting Dates XXXX is reporting delinquency as early as XX/XX/year>, which predates the account open dates of XXXX and XX/XX/year>. This is chronologically impossible and violates FCRA 623 ( a ) ( 1 ) ( A ).

2. No Validation of Debt XXXX has never provided : 1.A signed contract 2.Statements or breakdown of the balance 3.Chain of assignment Under FDCPA 809, they are required to validate the debt before collecting or furnishing data. They failed to do so. 
3. Improper Re-Aging of Debt After I filed a dispute, XXXX did not produce any documentation. Instead, they updated the tradeline to reflect new balance update dates and continued collection status, even though : - I made no payments- There was no new activity - No legal update to the account occurred This is known as re-aging, and violates FCRA 623 ( a ) ( 5 ) and Metro 2 standards, which prohibit updating accounts without consumer activity. 
4. Transunion Failed to Investigate or Delete Transunion closed the dispute with a generic statement : The item you disputed has been updated. Please check your report.

This does not meet the requirements of FCRA 611 ( a ) ( 7 ), which obligates the credit bureau to provide : - A description of the reinvestigation -The method used -The documents reviewed -The party contacted Instead, they allowed XXXX to keep the accounts on file without any proof or documentation and failed to delete unverifiable data, which violates FCRA 1681i ( a ) ( 5 ). 
Resolution Requested : I am requesting the CFPB to : Investigate both XXXX and Transunion for FCRA and FDCPA violations Complete deletion of both tradelines from Transunion Require Experian to provide a complete investigation summary, as required by law I am attaching supporting files showing : 1.Contradictory open and delinquency dates XXXX " before and after '' tradeline changes 3.Transunion inadequate dispute response Thank you for your attention to this matter. 
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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief