vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding a debt claim reported by USAA Credit Card, which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section 10 of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this clause, I assert that demands for payment not involving lawful gold or silver coin are constitutionally questionable. Additionally, it is my firm position that any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by USAA Credit Card without proper sworn validation of the debt. I sent a request for validation, yet I never received a sworn affidavit or any statement made under penalty of perjury. I believe this is in direct violation of my rights and has caused substantial financial and reputational damage. 

Furthermore, I reference XXXX XXXX XXXX, issued during the Trump administration, which calls on the financial regulatory system to uphold constitutional principles and ensure transparency and accountability. I believe the actions taken by USAA and related entities fall outside of that executive guidance and demand oversight. 

In light of these facts, I respectfully request the following : That all records related to USAA Credit Card be fully investigated and that no unvalidated or constitutionally non-compliant debt be allowed to stand. 

That all negative items be removed from my credit report, particularly those connected to XXXX XXXX, with whom I am engaged in a fraud caseCase No. XXXX well as any other inaccurate or unsupported reporting. 

That the CFPB take appropriate enforcement or remedial action to ensure that my rights under the Constitution are protected. 

I appreciate your attention to this matter and urge you to take swift and appropriate 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 2025-06-18 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: SC

Complaint narrative:
I XXXX XXXX am physically writing this complaint. I am filing this complaint against Equifax regarding its continued reporting of a XXXX XXXX XXXX ( XXXX ) collection account for XXXX XXXX XXXX XXXX Account # : XXXX ), despite the debt collector confirming it would delete the tradeline. 
In my previous CFPB complaint ( # XXXX ), XXXX responded that it had terminated collection efforts and would request deletion of the tradeline with the credit bureaus. Despite this, Equifax continues to report the account as open and unpaid. This is a direct violation of federal consumer protection laws and reporting standards. 
Under FCRA 15 U.S.C. 1681i ( a ), credit reporting agencies are required to delete or correct any information that is incomplete, inaccurate, or unverifiable after a dispute. Continued reporting of this account after the data furnisher has agreed to remove it constitutes noncompliance with this law. 
Furthermore, under XXXX XXXX Credit Reporting Resource Guide standards, once a furnisher agrees to delete a tradeline, it must be coded with Status Code DA ( Delete Account ). Equifaxs failure to update or delete this entry is a violation of those industry standards, resulting in continued damage to my credit profile based on inaccurate information. 
I also never received certified notice or validation of this debt from XXXX XXXX, in violation of FDCPA 15 U.S.C. 1692g ( b ).

I am requesting that the CFPB investigate Equifaxs failure to comply with federal law and industry standards and require the immediate deletion of the XXXX account from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided 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 2025-06-18 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
In XXXX, I attended XXXX XXXX XXXX, which was included in the XX/XX/XXXX XXXX settlement requiring XXXX to cease collection on student debt incurred before XX/XX/XXXX. Despite this, XXXX has continued to report my XXXX  loans to the credit bureaus. On XX/XX/XXXX, I confirmed via chat with an XXXX agent that my loans were placed in forbearance beginning XX/XX/XXXX and postponed until XXXX/XXXX/XXXX due to my pending Borrower Defense application ( Case # XXXX ). However, they are still showing as active and affecting my credit report. I am requesting immediate suppression of all reporting activity related to these loans until my discharge case is resolved.

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 2025-06-18 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-06-18 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I received a cashiers check ( {$1000.00} ) from Capital One ( XXXX XXXX XXXX ) to pay first months rent to my new apartment complex. The complex accidentally discarded the check. I went to the branch immediately ( XX/XX/XXXX ) and was told nothing could be done for 90 days and I did not need to file anything at that time. 

After the 90 days passed and I still hadnt been refunded, I contacted Capital One again and was finally given an affidavit to complete. After returning the completed, notarized affidavit, I was told I would receive my refund in a few business days. Instead, I later found out the refund was declined because it was over 90 days, even though I followed the banks instructions and waited exactly as told. 

I have been bounced back and forth between the branch and customer service, with no clear solution, and no one taking ownership. Ive suffered financial hardship because these funds were meant for rent, and the issue is still unresolved. 

I am requesting a full refund of the cashiers check amount as Capital One misinformed me, failed to take proper steps when I initially reported the issue, and failed to act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Formal Dispute Urgent Attention Required Fraudulent Charges on Inactive Card To : American Express Customer Finance / Executive Office From : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>2025 Account ending in : XXXX Dear American Express Customer Finance Team, I am writing to formally escalate an unresolved issue regarding a fraudulent charge of {$2000.00} that was made on a credit card I never activated, never used, and never authorized anyone else to use.

Timeline and Summary of the Problem : I was approved for an American Express credit card and received the approval confirmation by email on XX/XX/year>2025. 
The physical card was delivered to my XXXX address at XXXX XXXX XXXX, XXXX, Florida, XXXX, before I arrived at the location. 
On XX/XX/scrub> 2025, I received a transaction alert for {$640.00}, even though I had not yet activated the card. 
I immediately called American Express to report the fraud. I was assured the card would be canceled, and the charge would be treated as fraudulent. 
Despite that, I received a full statement for {$2000.00} and have since filed three disputes, all of which were denied under the claim that I allegedly authorized another cardholder which is completely false.

Let me make it absolutely clear : I never activated the card.

I never made any transaction.

I never authorized anyone to access my account.

I was not even physically present at the address when the card was delivered, meaning I had no control over what happened to it before I arrived.

What I Am Requesting : Immediate reopening of the fraud investigation.

Full removal of the {$2000.00} in charges from my account.

Written confirmation that this situation will not affect my credit report in any way.

A copy of all internal documentation that Amex used to justify denying my previous disputes.

If this matter is not resolved within 10 business days, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and will consider legal action for damages related to fraud negligence and credit harm.

I appreciate your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the validity and accuracy of the above-referenced account that appears on my credit report, allegedly owed to LVNV Funding, originally from XXXX XXXX XXXX XXXX XXXX 

According to my records, this account was opened on XX/XX/XXXX, and shows last activity on XX/XX/XXXX, with an unpaid balance of {$1100.00}. The current status reflects it as a charge-off/collection, which I contend is inaccurate and incomplete. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g, I am exercising my right to dispute this debt and request validation of the following : Complete chain of title proving that LVNV Funding has the legal right to collect on this alleged debt.

Proof of assignment or sale from the original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX. ) showing ownership and transfer of rights. 

Itemized account statement showing how the alleged balance of {$1100.00} was calculated. 

Proof that this account was not securitized, which could nullify your claim to ownership or collection authority, as securitization may transfer beneficial interest to a trust or investor, not a third-party collector.

Copy of any signed agreement or original contract with my signature that establishes my liability for this debt. 

Additionally, this letter serves as a formal notification to cease and desist all collection activities until validation is provided, as required by law. Any further reporting of this account to credit bureaus without proper investigation and validation may be considered a violation of the FCRA and FDCPA and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General.

Please investigate this matter and update all applicable credit reporting agencies with the results. If this account can not be verified, it must be removed from my credit file. 

I expect a response within 30 days as required by law. 

Sincerely, XXXX Doe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items.

The identity of the entity/entities responsible for carrying out this verification.

Any documentation or evidence used to support the accuracy of the disputed items.

I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2025-06-18 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I applied to be a co-signer for my brother, but when we got to the XXXX dealership, we were told he was approved by himself. So the loan was solely under my brother 's name. I did not sign any loan documents. After we already acquired the vehicle, I received an email from Ally Financial asking me to sign documents to finalized the loan. I thought this was sent by mistake, so I didn't sign that either. Apparently, my brother had a few late payments, and Ally Financial has been reporting it on my credit report as well. I contacted them to investigate and remove this from my credit report, but I was told I am liable as well. I initially was getting pushed back when I asked for proof that I am also liable as I never signed any documents. Then, they sent me a copy that has my e-signature. I asked them to track this e-signature to prove it wasn't signed by me, but that didn't go anywhere. I am assuming someone realized my brother shouldn't have been approved by himself after the fact and falsified the document. 

I am asking for your assistance to have Ally Financial correct the situation. I am asking for this to be removed from my credit report. 

I appreciate your assistance in resolving this issue. Please feel free to reach out if you need further information to process this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: GA

Complaint narrative:
I am disputing a late payment reported by Ava in XXXX, XXXX and XXXX of XXXX. I was going through a verified financial hardship and made a goodwill request to the creditor with supporting documents. I believe this negative mark does not reflect my overall payment history and request a formal review.

Company response to consumer: Closed with explanation