vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I used Affirm to finance a purchase from Affirm on XX/XX/XXXX. I later returned the item in-store on XX/XX/year>. The merchant confirmed the refund was processed and provided documentation of the return. I also no longer have the product. 

However, I have not received the refund. It was not credited to my Affirm loan or returned to my card. I contacted Affirm, provided all the documentation showing the return and merchant confirmation, but the issue remains unresolved. 

Affirm continues to hold me responsible for the balance, despite the fact that the merchant has already refunded the purchase. This has caused financial stress and seems to violate fair credit and billing practices. 

I am requesting that the CFPB review this matter and require Affirm to : Acknowledge the refund, Apply it to my loan balance or refund my payment method, Provide written confirmation that the loan has been corrected or closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Bank Name : USAA Federal Savings Bank Account Type : Checking Date of Transaction : XX/XX/XXXX Amount in Dispute : {$1600.00} Complaint Date : XX/XX/XXXX Consumer Name : XXXX XXXX Complaint Type : Misdirected funds/ mishandled recovery / misleading customer service What happened On XX/XX/XXXX, I mistakenly transferred {$1600.00} via XXXX from my USAA checking account ( ending in XXXX ) to the wrong external account ( ending in XXXX ) instead of my landlords account ( ending in XXXX ). This was a rent payment and the loss of these funds has had a direct impact on the housing situation of myself, my wife, and our XXXX children ages XXXX and XXXX XXXX 

Steps I took I realized the mistake and contacted USAA on XX/XX/XXXX. I was told a recovery request would be submitted and that the process could take up to 10 business days. 

On XX/XX/XXXX, USAA sent me a secure message stating " no error occurred '' and that they would not reverse the transaction. I was not provided with a copy of the recovery request, any status updates, or documentation. 

On XX/XX/XXXX I chatted with USAA ( attached ). I was told that nothing had been done with my recovery request. 

On that same day, XX/XX/XXXX, I filed a CFPB complaint ( now withdrawn so I can refile this complete version ). 

On XX/XX/XXXX, a USAA representative named XXXX called me. She confirmed that USAA had sent their formal denial response on XX/XX/XXXX. She also said she had spoken directly to the account holder who received the funds. According to XXXX, the recipient stated they would return the funds. XXXX told me that once she saw the funds return to the account, she would transfer them to my account by XXXXXXXX XXXX XXXX XXXX. That deadline passed with no returned funds, no confirmation, and no follow-up communication. 

What I believe USAA did wrong Inconsistent communication : I was told by one department that no error occurred and the case was closed, and by another department that the recipient had agreed to return the funds. 

Lack of transparency : USAA has not provided any written proof that a recovery attempt was submitted, acted on, or that the recipient was contacted as claimed. 

Failure to confirm recovery : I have no way of knowing whether the funds were actually returned or if USAA received them and failed to pass them along to me. 

What I know about the recipient USAA has not formally named the recipient, but from their statements and my own investigation, I am 99.9 % confident the recipient is XXXX XXXX ( formerly XXXX XXXX ). She served in the XXXX, appears in public military materials from XXXX, and matches the identity associated with the account that received the funds. This identity has been confirmed via XXXX and other open-source tools.

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 monetary relief
Consumer complaint received 2025-07-25 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXXXXXX Date : 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 2025-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a bank account with capital and I went with my mom she gave me a {$10000.00} check I went with her to the bank to deposit the check into my savings account because the check is for my college tuition.a month latter a friend sends me money {$1000.00} to send to someone that does have XXXX so they could get it cash this happened on XX/XX/XXXX. The next day XX/XX/XXXX maybe XXXX my account is put on hold so I called the person I talk to ask me where I got the money from so I tell her she says my account will be banned and any remaining funds will be sent to the address on file so i said okay I didnt do anything wrong but because I didnt want to argue they also asked me who gave the money so I told them. They still said my account is set to be on hold so I said fine. 2 weeks later I check the mail everyday to see if they sent my check no check so I sled capital one they said its under investigation so I say okay I call a week later they still tell me its under investigation I ask them when I will be receiving my funds they are unable to tell me.i called 1 month later and 2weeks later they tell me the {$10000.00} I deposited with my mom that was at the bank with me is under investigation as well that when my account is on hold everything in my account is being investigated and its nearly 2 months now and no update. Every time I call they tell me its under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor or Collection Agency Name XXXX XXXX XXXX Account Number XXXX Amount {$76.00} Date of Account XXXX Creditor or Collection Agency Name XXXX XXXX Account Number XXXX Amount {$20000.00} Date of Account XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 
In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/XXXX. I received a call from an First National Bank of Omaha ( FNBO ) Fraudulent Representative asking if I had made purchases within the past few days of opening the card. I told them no, and that I haven't even received the card in the mail yet. I requested that they lock the card and that all the purchases made since opening the card were not authorized by me. So all charges made from XX/XX/XXXX to XX/XX/XXXX were not authorised by me and totaled up to $ {$1700.00}. I have also made a police report on this case with the XXXX XXXX Police Department, report number : XXXX. 

On XX/XX/XXXX. I asked the progress update on my Case dispute, they told me that they were still working on it and that I should pay off the {$40.00} minimum amount to avoid any fees. I paid the {$40.00} on XX/XX/XXXX. 


On XX/XX/XXXX. I received a letter in the mail stating " We have determined that no error has occurred '', " We have come to this conclusion because : The merchant has provided information matching our records that indicates you participated in the transaction and agreed to the terms and conditions at the time of purchase. '' I called their Disputes Department, and the case investigator who was in charge of my case. Told me that he came to this conclusion because of a linkage between the person who stoled my card who checked in at the XXXX XXXX, to be my relative, which was not true. I asked the investigator to provide me evidence or documentations, he refused to, and only verbally told me that this was why I was on the hook for fraudulent charges.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
My credit was frozen and had fraud alerts on my credit report however AIDVantage still issued loans to unknown people in my name and are ruining my credit for it when demanding payment for money I never applied for or received. They also make it incredibly difficult to fix as they require transcripts and diplomas that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-25 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
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 2025-07-25 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : 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 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
I received a letter from collection agency, Credit Control , LLC stating my name is XXXX XXXX and that I owe them an amount of {$5400.00}. I reached out to them by phone and explain to them that I am not the person that this debt belongs to. I also asked them to send me a validation letter in which they have failed to release. The only thing they've sent me as validation is this debt letter belonging to XXXX XXXX. Attached is my supporting identification. 

Thank You, 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a fraudulent account reflected on my credit report. I have never opened or authorized this account and have no knowledge of its origin.

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 2025-07-25 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: HI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 explanation