vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
On XXXX XX/XX/XXXX XXXX XXXX XXXX, I initiated a wire transfer over the phone with USAA to XXXX XXXX XXXX who hosts the XXXX XXXX XXXX XXXX XXXX XXXX platform for {$2300.00} plus a {$20.00} fee. 
XXXX, I received a notification my transfer was reversed without my authorization. 
XXXX, I received a notification of a security concern. I called in and was immediately connected to security services. They told me my account was under review because the representative didnt fill in the reason for the wire and it was flagged by the FDIC XXXX My accounts were in good standing. There would be no negative impact on my accounts because the cause of this situation was not my fault. 

I called into USAA six times on XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Each time I received a different explanation as to why my account was locked, unlocked, or told there was no information given as to why my accounts were unavailable to me. The fraud department refused to inform me of what the fraudulent activity on my account pertained to. USAA is not required to tell me. 

It wasnt until the last call at XXXX ( XXXX ), I was finally transferred to the Member Relations Department. It was then explained to me my account was under review for the third time because I appealed USAAs decision to close my banking accounts. 

USAA has no authority to dictate how I spend my money. If there was fraudulent activity, I would have altered them.

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 2025-04-16 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: CA

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I am seeking assistance in reviewing accounts that are incorrectly reported as having late payments. My credit report shows late payment marks on specific accounts, which is inaccurate. These accounts should not have any late payment remarks. Please remove them and ensure the accounts are updated to a positive status as originally agreed.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My Credit card expired XXXX of XXXX and I never received a replacement card. I have contacted Capital One several times to request a replacement card since it would not allow me to request that through my app. Every time I called, I was told 4-6 business days for another to be sent in the mail, at no charge. The last time that I called, XX/XX/XXXX, I was told that there was a notice on my account and they would not send me a replacement. They said that because I had a charge off on a completely different account, which I am paying on through another company, they would not give a replacement card for my current and active account. They suggested talking to a retention specialist, which I did, and they told me that the charge off on a separate account would have nothing to do with my active account and they should have sent me a replacement card, that the hold should not even be on this active account. They transferred me back customer service and I explained to them what I was told and then they said that they would send me a replacement card, 4-6 business days to arrive. I have not yet received anything in the mail, again. I have now requested a replacement card, for my account that I have kept current, 5 times with no card received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX 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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
The following accounts are the product of indentity theft, I have reach out each respective creditor and as of yet they have not removed these accounts from my credit. Please reach out to them on mu behalf and resolve this issue. The account in questions are as follows : - XXXX  XXXX  This account was closed on XX/XX/XXXX, {$6400.00}, - - XXXX  XXXX  {$1400.00} Reported balance. This account was closed on XX/XX/XXXX. 
- XXXXLast reported XX/XX/XXXX {$0.00} Reported balance.This account was closed on XX/XX/XXXX. 
- XXXX XXXXLast reported XX/XX/XXXX {$0.00} Reported balance This account was closed on XX/XX/XXXX. 
XXXX Last reported XX/XX/XXXX {$0.00} Reported balance This account was closed on XX/XX/XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: WI

Complaint narrative:
This complaint is not a mistake, my credit report contains inaccuracies that fall short of the required standard of maximum possible accuracy. These errors are seriously affecting me, and I urgently need them corrected or 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute because account was being reported charge off for mutiple month while still requesting and receiving payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute because account was being reported charge off for mutiple month while still requesting and receiving payment

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 2025-04-16 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: AZ

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 2025-04-16 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: GA

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 15 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 2025-04-16 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:
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 15 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 non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should 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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute letter to Experian regarding inaccurate information on my credit report. 

The letter was sent via USPS Priority Mail and was delivered to Experians XXXX, TX facility on XX/XX/year> at XXXX XXXX, confirmed by tracking number XXXX. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ( a ) ), Experian is legally required to complete their investigation and respond within 30 days of receiving the dispute. As of XX/XX/year>, I have received no response, no results of any investigation, and no resolution of the dispute. 

This is a clear violation of federal law. 

I am formally requesting that the 6 disputed items be deleted immediately due to Experians failure to investigate and respond within the required timeframe. 
XXXX Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

If this matter is not resolved promptly, I am prepared to pursue legal action and seek damages under 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: AK

Complaint narrative:
Subject : Urgent Assistance Required for Locked Credit Karma Account and Inaccessible Funds My name is XXXX XXXX, and I am an active-duty member of the United States XXXX XXXX XXXX currently stationed in XXXX, Alaska. Between XX/XX/XXXX and XX/XX/2025, I was on an extended duty rotation and, during this period, missed a critical email notification from Credit Karma alerting me that my checking and savings accounts may have been compromised due to an Account Takeover ( ATO ) and possibly closed.

Upon discovering this, I attempted to log into my account but was unsuccessful. I then called the number listed on their website and in the email notification ( XXXX ). Unfortunately, the automated system was unable to verify my identity using my Social Security Number and the phone number associated with my account. Because of this, I was not permitted to speak with a live representative.

The system is effectively a closed loop : it requires account verification to connect me to a person, yet it can not verify my account with the correct information I provided. As a result, I have no way of escalating the issue or recovering access through the provided phone line.

Subsequently, I contacted three different agents via the chat feature on Credit Karmas website. Each informed me that I would have to wait for further instructions from your higher-level security team. I eventually received an email from XXXX, which instructed me to verify my identity using a mobile device. However, I have not received any prompts or messages on my device to complete this verification. 

I am now at a complete standstill. I am locked out of both my checking and savings accounts, which contain my entire savings, and I have been provided with no actionable resolution. I am unable to proceed with identity verification via the methods provided, and I can not speak with a live person to resolve the matter. 

This situation is causing significant financial distress, and I urgently request a clear path to verify my identity and regain access to my accounts. Please escalate this matter with Credit Karma and contact me directly at your earliest convenience with a viable resolution. 

Respectfully, XXXX XXXX United States XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: DISCOVER BANK
State: PA

Complaint narrative:
Discover continues to restrict access to my available credit, despite the fact that I paid {$1000.00} toward my account on XX/XX/year>, followed by additional payments. My account is not in default, and Ive contacted Discover repeatedly for answers. I was told my account is under review, but no written justification has been provided, and no timeline has been given. 

This has caused me significant financial harm Ive been unable to rent a car, travel, or access emergency funds. Discover has refused to follow its own arbitration clause or provide clear next steps. I believe this is a violation of the cardholder agreement and consumer protection standards. I am seeking immediate resolution and regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 2025-04-16 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:
I have never given this company any permissible purpose or authorization to make a hard inquiry or report this account on my credit report. This is fraud and I demand that the account be removed immediately. I have never done business with this company.

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