vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Since my initial complaint, USAA subsequently deducted {$4000.00} on XX/XX/XXXXXXXX XXXX XXXX  days after the initial fraud was reported from the joint checking account. This transaction was discussed at length with a Bank Member Advocacy ( BMA ) staff member on XX/XX/2025, yet it is not mentioned at all in your response to my initial complaint. 

I am a XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. My XXXX XXXX XXXX relies solely on VA Education Benefits from the GI Bill for his living expenses. On XX/XX/2025, his monthly VA Education Deposit was posted. Three days later, the entirety of that deposit was removed by USAA, just as his room and board payments were due. I shared this with BMA staff, and also noted that a payment plan was never offerednor was I given any clear understanding as to why nearly a full month passed between the fraud report and this aggressive action. 

Alarmingly, I was never made aware that on XX/XX/2025, an unauthorized individual contacted USAA to regain access to the account. Coaching was provided for the Member Service Representative ( MSR ) who helped the unknown caller access the account. If USAA personnel assisted an unauthorized actor in accessing the account, it is extremely difficult to understand how USAA does not bear responsibility for the fraudulent activity that followed over the next 28 days. 

There are additional inconsistencies that require clarification. In your most recent response, you stated : During this time, two overdraft credit card advances from the XXXX credited the checking account in the amounts of {$4500.00} and {$5000.00}. On XX/XX/2025, fraud determined this was an authorized scam. 

However, your earlier letter dated XX/XX/2025 states : Weve completed our research and based on the information provided ; we determined that unauthorized transactions did occur. 

It is unclear to me how the same situation can be both an authorized and unauthorized scam. This contradiction is deeply troubling and adds to my concern that the case has not been handled with the consistency or seriousness it warrants. 

I have been a loyal USAA member for 29 years. Between insurance, investments, mortgage, and banking, Ive trusted USAA with my familys financial well-beingand I know USAA has profited many times over from that relationship. My request is simple : that USAA stand by its stated commitment to veterans and return the remaining {$4900.00} that was taken from my sons accountespecially given that you are effectively recouping his hard-earned VA Education Benefits . 

Thank you for your time and prompt attention to this matter. I remain hopeful that USAA will do what is right. 

Sincerely, 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested and reviewed my credit reports and discovered some instances of late payments on an account for which I have always made my payments on time and in the full amount required. I understand that credit reporting agencies play a crucial role in accurately reporting consumer information therefore it is imperative that the information is reported accurately. Again, I have always made my payments on time and in the full amount required for the accounts identified in the attached file. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2025-04-06 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:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 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 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 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 Incorrect Personal XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-06 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: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: TN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Conduent Incorporated
State: NY

Complaint narrative:
I have a way2go provided by Department of Labor in NY state. My card keeps declining and will not let me access the funds. I know the card works because it will let me check the balance. I even ensured that I went to approved locations with the appropriate logos and the card still would not let me access my money but would let me see the balance. After weeks of researching ways to contact a live agent I finally found a web article from people experiencing the same issue as well as being unable to get in contact with a live agent. I found a workaround that eventually got me to a live agent who cant help. They said theyd transfer me to sup and I never spoke to one as I stayed on hold. I have no gas no money and can not use my card. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: AZ

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$11000.00}, XXXX balance {$3800.00}, XXXX XXXX XXXX XXXX balance {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$11000.00}, XXXX balance {$3800.00}, XXXX XXXX XXXX XXXX balance {$130.00}

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 2025-04-06 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 recentlv reviewed a com of my credit renort and noticed I hod fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-06 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
These inquiries have been on my credit reports even after filing disputes explaining it wasnt me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Wells Fargo Card Serv

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 2025-04-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
These inquiries have been on my credit reports even after filing disputes explaining it wasnt me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX JpMCB card XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I received and email from SoFi stating a new unrecognized device logged into my account. I then proceeded to change my password. When I attempted to do that I logged into my account and my account had multiple transactions that were not authorized by me. The transactions began XX/XX/XXXX and ended on XX/XX/XXXX. These were all XXXX XXXX  transfers and some online casino transactions. I tried calling the customer service number but was not able to reach anyone so I filed a dispute online on XX/XX/XXXX for charges made on my account totaling {$1600.00} dispute XXXX XXXX. On XX/XX/XXXX I received an email from so-fi stating that my claim had been denied because no unauthorized activity had occurred. I then requested the documents regarding the decision and did not engage in trying to dispute the decision due to the amount of time and energy it takes to try and reach anyone at So-Fi. I decided to pursue this issue because Im in a financial hardship and need these funds. Ive had issues with prepaid cards in the past and they make it extremely difficult when it comes to claims and holding my funds. My account remains open with them and a new debit card has been ordered and activated but I have not used their services since this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I am filing this complaint because my mortgage loan was allegedly originated or transferred to Lakeview Loan Servicing , LLC, and then subsequently sold or transferred to XXXX XXXX XXXX, without my knowledge, consent, or signature on any mortgage loan agreement with Lakeview. 

At no point did I sign a mortgage loan agreement with Lakeview. I was never informed that they were involved in my mortgage transaction. I only became aware of their involvement after receiving documentation indicating that my mortgage was sold or transferred to XXXX. 

This raises serious concerns including : - Possible fraudulent assignment of my mortgage loan - Lack of transparency and due process - Unauthorized transfer of servicing rights I do not have any records, disclosures, or signed agreements that show Lakeview as the originating or servicing lender. Therefore, I am confused and concerned as to how they obtained rights to my mortgage and were legally able to transfer it to XXXX. 

This situation has caused confusion and distress as I am unsure who truly owns my mortgage loan and whether my rights as a borrower have been violated. I am worried about legal implications, especially if I am being held accountable under a loan agreement I never consented to.

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 2025-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
We have had a CareCredit Account through Synchrony Bank for almost a year and we make monthly payments on time through our XXXX XXXX  Account ( My bank account ). This account recently had some unauthorized charges and we blocked all charges on that account until we could get a new card. Apparently CareCredit had attempted to make a withdraw from that XXXX account and it was unable to process. So in good faither we contacted XXXX and informed them that the we needed to make a payment and we made a {$200.00} payment in XXXX on the Care Credit account. Synchrony then made and applied a previously scheduled payment in the amount of {$81.00} payment four days later and this payment did not go through XXXX. We had requested that this {$81.00} amount to be cancelled since we had already made the {$200.00} payment four days prior. We have no intention of not paying this account and we use this for medicine for our family. Apparently Synchrony is claiming that we have made two insufficient payments and that is absolutely not true if they were we made them correct within days of our knowledge of them.

We attempted to make this correct and was told that we no longer had an account on their system we also set a payment to pull in the amount of {$150.00} on the XXXX of XXXX we were told that our account was blocked and we could not make payments to it or charges. We had no idea that this account was closed until we went to use it and we were informed that the account had been closed for several days. Please let us know if we are in the wrong or if there is anything we can do to reopen this account.

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 2025-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
I sold my home back in XXXX XXXX XXXX Its been nearly a year and I still havent received my escrow refund. Ive contacted Shellpoint mortgage servicing multiple times about the issue and keep receiving a different story each time. When I first contacted, they said the check was already sent out and it was to the address in which I sold the property. They said theyll issue a new check, ; however, I still didnt receive it. Ive called again and again, each time they say theyll issue a new check and the situation will be escalated. This process keeps repeating over and overall. Eventually they said theyll wire it to my account, I waited and still didnt receive it. I called again and the guy explained that a check was mailed the day prior to when I called and asked me to wait 7-10 business days. I waited and I didnt receive it so I called once more, this was the most recent one. They said they had issues because of rebranding and theyre waiting for the company to send the funds. They said theyll file a complaint for me. I asked for a specific date and they said its unknown. Ive been considerable patient and its getting really frustrating.

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 2025-04-06 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: V and H Portfolio
State: TX

Complaint narrative:
This letter serves as a formal dispute and notice of non-compliance regarding the reporting of an alleged debt from Vance & Huffman on my credit report with XXXX and XXXX. 

In response to CFPB Complaint # XXXX, Vance & Huffman failed to provide sufficient documentation to validate the debt. Specifically, the following required items were not included : A Master Bill of Sale A Purchase Agreement A XXXX XXXX XXXX XXXX showing legal ownership of the alleged debt While an original contract from the creditor was provided, this does not establish your companys right to collect or report this debt. Furthermore, the balance currently being reported to the credit bureaus is {$1700.00}, which does not match the amount stated in the contract or documentation provided. 

In addition, I had an agreement with the original creditor, and I do not owe any debt to your company. Therefore, this debt is being reported inaccurately and without proper validation, in violation of the ( FCRA ) and the ( FDCPA ). 

To XXXX and XXXX : This account is being disputed under FCRA XXXX. I am providing this letter as proof that the reporting furnisher has failed to provide the necessary documentation to support their reporting. The balance is inaccurate, and the ownership of the debt has not been verified. 

Accordingly, I am demanding the immediate deletion of this account from my credit file with both bureaus. If this matter is not resolved promptly, I will escalate the issue further through legal channels with my attorney.

Company response to consumer: Closed with explanation