vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-13 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding SoFis handling of a credit card dispute associated with my account. 

Claim/Dispute Details : {$80.00} charge from XXXX XXXX XXXXXXXX, TX ( XXXX date : XX/XX/year> ). 

I initially disputed this charge because the hotel denied service despite a pre-booked reservation and then falsely claimed I was a no-show. I provided detailed evidence, including XXXX  data, call logs, and alternative lodging receipts, which clearly disproved the merchants claims. 

Despite SoFi eventually issuing a credit, I have repeatedly requested SoFis internal documentation, investigative notes, rationale, and any supporting evidence that led to the final determination. This request was made under Regulation Z and the Fair Credit Billing Act, yet SoFi has ignored all my communications.

I am requesting that the CFPB investigate SoFi for : Failing to provide required documentation under federal law. 

Failing to respond to a legitimate consumer request for transparency regarding a finalized dispute. 

Attached : Copies of my communications with SoFi requesting records and any supporting evidence I submitted during the dispute. The communication shows that my latest request on XX/XX/year> has gone unanswered by SoFi.

Desired Outcome : I request CFPB assistance in compelling SoFi to provide full documentation regarding their handling of my dispute and ensure they comply with federal consumer protection requirements. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
Due to the ongoing government shutdown, I attempted to submit my identity theft report through the Federal Trade Commission ( FTC ), but the system was down and prevented me from doing so. This has severely delayed my ability to properly report the fraudulent activity on my credit report. As a result, I am submitting this complaint directly and urgently. I am formally demanding the immediate removal of all fraudulent items from my credit file.As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents.Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning, delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I made the minimum payment of {$40.00} on XX/XX/XXXX to to Concora Credit on my Destiny credit card, on XX/XX/XXXX an unauthorized payment of {$40.00} was taken out of my account from Concora Credit and the payment wasn't even posted to my account, so I proceeded to call Concora credit and was givin false information that didn't add up to the facts and was told there was nothing they can do and the whole phone call was recorded by them. My current statement balance went down to {$170.00} After the XX/XX/XXXX payment, my purchases for the current statement so far adds up to {$61.00}, and my current balance as of right now is {$230.00} with, so my balance has only gone up from my purchases therefore payment was never posted nor authorized by me. 
I have and will provide photo proof from bank and from Concora credit website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I contacted National Credit Systems On XX/XX/XXXX of 2025 in regards to an account that was reflecting on my collections for an apartment complex out of XXXX, Co for over {$13000.00}. I provided a police report and all required documents needed to dispute and file for identity theft. The copy of the signed lease the collection agency provided was NOT my name nor my DOB, only my social. They stated they submitted a paper to all credit buraeus around XX/XX/year> to have the account removed as it was identity theft and it is still reflecting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-13 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: ID

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
The forbearance for the SAVE plan started in XX/XX/XXXX due to a court injunction that blocked parts of the plan. During this time, enrolled borrowers were not required to make payments and interest was not accruing. Interest did not start to accrue again until XX/XX/XXXX. 

Mohela illegally charged me interest between XX/XX/XXXX - XX/XX/XXXX, which goes against the court ruling and is fradulent. 

Mohela needs to : 1 ) Send me documents of the interest they " accrued '' and charged from XX/XX/XXXX - XX/XX/XXXX. 
2 ) Refund me that amount immediately.

3 ) Provide confirmation of refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, {$1800.00} Legal Basis for My Dispute 1. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXX. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts.

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 2025-11-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: South East Collection Specialist
State: TX

Complaint narrative:
They call asking for me but with no name or reason. they are not stating what they are calling for. They are just saying theyre looking for me and calling my family. I get multiple emails and I was not aware of any of this

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Im getting charged late fees and interest on a loan I have been attempting to pay off since my no interest period ended. 

I might have entered the wrong account # for the last installment, as they switched payment platforms the month before my loan was due. 

I called immediately to complete the payment when I was notified of the mistake. Unfortunately, the customer agent also got my information down wrong, and she couldnt make an overpayment for my autopayment that had also gone through. 

Regardless, I continued reaching out asap to settle up. The fees continued to rack up despite my efforts to pay them. 

The customer service agents tried over and over again to remove the fees and were unable to. 

The company has built a system that is difficult to navigate for consumers to put them in a debt trap. 

I would receive emails saying payment was completed and processed and then others days later saying it wasnt. Money never left my account, I never incurred overdraft fees from my bank. It was not for lack of my funds.

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 2025-11-13 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Recently I saw information in my credit profile that does not belong to me. Under 15 U.S code act 1681 e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual of whom it relates. 

Please remove the following items from my report immediately : Credit collection svcs : {$3800.00} XXXX Credit collection svcs XXXXXXXX XXXX  I presume that no proof of the alleged debt, nor therefore any such debt exist under my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/year> at around XXXX I called Citizens Bank and was explicitly told by a representative that if there were insufficient funds in my account, a pending debit would NOT be taken. I relied on this information. I also contacted the merchant ( XXXX ), who confirmed that a debit would not be pulled if funds were not available. 

Despite this, Citizens Bank approved a {$14000.00} preauthorized debit even though I did not have sufficient funds. I am NOT enrolled in debit card overdraft coverage, so this type of transaction should have been automatically declined under Citizens Banks own overdraft policy. 

This incorrect approval caused my account balance to drop to {$2700.00}. When I contacted Citizens Bank today, they refused to provide a supervisor with the authority to correct the issue and only offered to expedite a dispute claim, stating it would still take 35 days. This is not an acceptable resolution for a bank-caused error. 

This situation is a clear case of bank misrepresentation and improper authorization of a transaction that should have been declined. I suffered financial harm as a result. I am requesting the immediate reversal of the {$14000.00} debit, restoration of my account balance, removal of all negative fees, and a review of the call recording from the representative who provided incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Your Name ] [ Your Address ] [ Your City, State, Zip Code ] [ Date ] [ Insert the Creditors address ] To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
XXXX Sincerely Client First & Last Name Send unis let collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am submitting this letter to dispute several accounts listed on my Experian credit report. After reviewing my report, I believe the following accounts contain errors, and I request a thorough investigation. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-13 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-11-13 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: FL

Complaint narrative:
I am disputing the following charged off accounts, inquiries, and late payments appearing on my Experian credit report. Please review and verify the accuracy of these items : Charged Off Accounts : XXXX  XXXX - XXXX ( XX/XX/XXXX ) - {$0.00} XXXX XXXX - XXXX ( XX/XX/XXXX ) - {$0.00} XXXX - XXXX ( XX/XX/XXXX ) - {$3000.00} XXXXXXXX XXXX XXXXXXXX - XXXX ( XX/XX/XXXX ) - {$1300.00} XXXXXXXX XXXX XXXXXXXX - XXXX ( XX/XX/XXXX ) - {$2100.00} XXXX XXXX - XXXX ( XX/XX/XXXX ) - {$1200.00} XXXX - XXXX ( XX/XX/XXXX ) - {$0.00} XXXX XXXX - XXXX ( XX/XX/XXXX ) - {$300.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - {$2500.00} XXXX - XXXX ( XX/XX/XXXX ) - {$3900.00} XXXX - XXXX ( XX/XX/XXXX ) - {$26000.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - {$160.00} XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) - {$1600.00} XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) - {$1700.00} XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) - {$5500.00} Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX Late Payment : 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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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