vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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: NY

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email Address : XXXX Phone Number - ( XXXX ) XXXX Charge offs, Hard inquiry Dates : XXXX XXXX, Charge off date, XX/XX/XXXX XXXX XXXX XXXX, Charge off date, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, hard inquiry date, XX/XX/XXXX XXXX XXXX  hard inquiry date, XX/XX/XXXX To : Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Information Request for Investigation Dear [ Credit Bureau Name ], Equifax, Experian, TransUnion I am writing to formally dispute inaccurate information appearing on my credit report. The information in question pertains to a charge-off, hard inquiries listed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  According to my records, the information reported is [ inaccurate/incomplete/unverifiable ] for the following reason ( s ) : I never had an account with this creditor I have never opened, authorized, or maintained any credit account or relationship with this lender. Therefore, the reported item is inaccurate and fraudulent Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and verify the accuracy of the information. If the creditor can not provide documentation verifying the accuracy and validity of this charge-off, I request that it be removed or corrected from my credit report immediately. 

Please provide me with the results of your investigation in writing. Enclosed are copies of documents supporting my position, including., payment records, correspondence, statements, or identity verification documents ]. 

Thank you for your prompt attention to this matter. I expect a response within the 30-day investigation period as required by the FCRA. 

Sincerely, XXXX 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 2025-10-26 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: NY

Complaint narrative:
XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email Address : XXXX Phone Number - ( XXXX ) XXXX Charge offs, Hard inquiry Dates : XXXX XXXX, Charge off date, XX/XX/XXXX XXXX XXXX XXXX, Charge off date, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, hard inquiry date, XX/XX/XXXX XXXX XXXX  hard inquiry date, XX/XX/XXXX To : Equifax : XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian : XXXX XXXX XXXXXXXX, XXXX, TX XXXX TransUnion : XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Information Request for Investigation Dear [ Credit Bureau Name ], Equifax, Experian, TransUnion I am writing to formally dispute inaccurate information appearing on my credit report. The information in question pertains to a charge-off, hard inquiries listed by XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  According to my records, the information reported is [ inaccurate/incomplete/unverifiable ] for the following reason ( s ) : I never had an account with this creditor I have never opened, authorized, or maintained any credit account or relationship with this lender. Therefore, the reported item is inaccurate and fraudulent Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and verify the accuracy of the information. If the creditor can not provide documentation verifying the accuracy and validity of this charge-off, I request that it be removed or corrected from my credit report immediately. 

Please provide me with the results of your investigation in writing. Enclosed are copies of documents supporting my position, including., payment records, correspondence, statements, or identity verification documents ]. 

Thank you for your prompt attention to this matter. I expect a response within the 30-day investigation period as required by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
They charge fees to have an open account, which i agreed to. However, after bad service for years i chose to change banks. I tried to start the account cancellation process a couple times by researching their website, phone app, XXXX app, etc and there was no way to do this. It took much effort w/ customer support to cancel the account. They charge monthly fees and make it difficult to cancel which i see as deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Please investigate my complaint and deactivated my account portal ending in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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 writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request. 
FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting from identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft.

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of 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 2025-10-26 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: PA

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts that have been reported on my credit report. These accounts were opened or reported as a result of identity theft, and I did not authorize or initiate them. 

ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under the following provisions : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block information resulting from identity theft within 4 business days of receiving appropriate proof of identity, a copy of a police report or FTC Identity Theft Affidavit, and a written request. 
FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) : Entitles me to dispute and receive notification regarding negative information resulting from identity theft.

FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) : Prohibits data furnishers from reporting information they know is the result of identity theft.

In accordance with these legal protections, I demand that the following fraudulent accounts be permanently removed and blocked from all of my credit reports within the 4-business-day period as required by law. Furthermore, I request that all collection activity related to these accounts be immediately ceased. 

Please consider this a formal dispute and request for action under federal law. I expect a written confirmation of the removal and blocking of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: FL

Complaint narrative:
XXXX XXXX is reporting a charged-off account ( Account XXXX : XXXXXXXX XXXX XXXX XXXX ), but I have not been provided with any certified documentation proving the accuracy, ownership, or delinquency timeline associated with this alleged charge-off. 

There are inconsistencies in how this account is reported across the credit bureaus, including different last payment dates and different status remarks such as Account was in dispute now resolved and Charged off account Accounts closed by credit grantor. This raises concerns about the accuracy and completeness of the information furnished. 

I previously disputed this account, but no certified documentation such as billing statements, delinquency timelines, or proof of ownership/assignment was provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers are required to report only accurate and fully verifiable information. If the account was sold or transferred, verification from the current debt owner is required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Since no verifiable documentation has been provided to confirm the legitimacy, ownership, or accuracy of this charge-off, this derogatory reporting may be unverifiable, misleading, and potentially inaccurate.

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 2025-10-26 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: AZ

Complaint narrative:
The Department of Education, through its servicer XXXX, is reporting late payments and derogatory marks on my student loan accounts. These reports are inaccurate and negatively affect my credit. I have already requested that Experian verify and remove these inaccurate late payment records, but no corrections have been made.

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 2025-10-26 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: PA

Complaint narrative:
The collection accounts reported by XXXX XXXX XXXX appear on my credit report without full validation or proof of ownership of the debt. This violates : 15 U.S.C. 1692g ( b ) Debt collectors must cease collection until debt validation is provided. No such validation has been presented.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report inaccurate information to credit reporting agencies.

15 U.S.C. 1681i ( a ) Consumers have the right to dispute and demand reinvestigation of inaccurate or unverifiable information.

15 U.S.C. 1681b Credit reporting agencies must ensure permissible purpose before furnishing credit reports.

These accounts continue to appear on my report despite my prior requests for validation. Reporting or re-reporting unverifiable debts constitutes a violation of federal law and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, unauthorized transactions were made from my Cash App account. I immediately contacted Cash App and was given case number XXXX. I explained that I did not make these withdrawals I was at college when it happened. 

Cash App first told me the transactions were authorized, but then later confirmed they were unauthorized and said my case was being escalated. I also contacted XXXX XXXX  ( the receiving bank ), but they said only Cash App could process the refund. 

Ive been calling and messaging Cash App for weeks and still havent received any refund or final resolution. This situation has been extremely stressful Im a college student and this money is important for my expenses. I just need my refund for these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
This account was made fraudulent was not me. I have no information on an issue our knowledge Ive been trying to get rid of this for a while, including like three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
Checkin Account : {$330.00} Savings Account : {$76.00} Cash App Support informed me on XX/XX/year> when i tried to access my account and it opened and quickly logged me out so I called and they denied me access to my funds that was remaining in my both my checking and my savings account with no further details letting me know Cash app decision that was made was to close my account and legally they didnt have to disclose the reason as to why and did not allow me to open another account uner my social security number still

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I am getting repeated calls about past due payment every XXXX minutes. I have a call blocker they do not leave a message but call repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EdFinancial Services
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> To : : Edfinancial Services Consumer Financial Protection Bureau ( CFPB ) Subject : Urgent Review Request XXXX Incorrect Loan Balance and Missing Breakdown on My Federal Student Loans Serviced by Edfinancial.

Dear CFPB, I am writing to formally request a review and correction of my federal student loan account serviced by Edfinancial Services due to significant inconsistencies in my loan balance and lack of payment and interest breakdown details. My total loan balance originally started at {$340000.00}, and I have made {$8300.00} in total payments. Based on this, my remaining balance should have been approximately {$330000.00}, before any potential interest capitalization or accrued interest. 

However, my current reported balance is {$360000.00}, which represents an unexplained increase of over {$25000.00}, despite my understanding that interest accrual and capitalization were paused during the XXXX payment suspension. I have attempted to resolve this issue directly with Edfinancial. I spoke with a representative named XXXX, who informed me that someone would follow up, but I have not received any updates since. I have also been unable to obtain a clear explanation or detailed breakdown of how my current balance was calculated, including the impact of any interest, capitalization, or adjustments made during administrative forbearance periods. This lack of transparency and inconsistency has caused significant confusion and concern and stress. 

I am requesting the following : A full and itemized accounting of my loan balance, including all payments made, interest accrual, and capitalization details since origination. A written explanation of how my balance increased during a period when interest and payments were paused. A correction to my account if any errors or misapplied interest calculations are identified. Please review my case and provide written clarification or adjustment to ensure that my balance is accurate and compliant with federal loan servicing requirements. Thank you for your time and attention to this matter. I look forward to your prompt assistance. 

Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX Loan Servicer : Edfinancial Services Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
We have been long-time XXXX lease XXXX. In XX/XX/XXXX, we visited XXXX XXXX of XXXX XXXX and believed we were continuing our lease. Without clear disclosure or consent, we were signed into a finance contract through Santander Consumer USA. 
In XX/XX/XXXX, during a service visit, the same salesman ( XXXX XXXX ) offered us an SUV and said he would cancel the prior contract and pick up the previous vehicle. The prior car was dropped off at our driveway and never retrieved. The contract for that vehicle was never canceled, leaving us with two simultaneous loans and one account in repossession status. 
We are now being billed for approximately {$3000.00} on a vehicle the dealership said was being taken back. We were misled into signing documents we did not fully understand and not given accurate explanations of the contracts. 
This appears to be auto dealer misrepresentation and a violation of the XXXX  XXXX XXXX XXXX XXXX. We are requesting that the Attorney General investigate XXXX XXXX sales practices and assist us in obtaining a correction including cancellation of the erroneous contract, removal of the repossession, and restoration of our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
This account was fraud open fraudulently amount is extremely high called midland credit management inc for the amount of XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just put my complaint in but my laptop wouldn't let me upload all the documents for me to prove transunion credit reporting agency is not following fcra guidelines. Transunion claim they receive this inaccurate reporting from XXXX. XXXX removed this information from there information in XXXX XXXX i reach out to them providing them this inaccurate bankruptcy was removed from there company they got it from and all my letter was ignored. I also reached out to my local bankruptcy court and they assured me they don't share information with credit bureaus. I also have the letter they wrote me so this information didn't come from them. Transunion also update the bankruptcy information so it could be attached to all of my personal information which is a violation of my rights and gose against law 15 USC 1681 a ( 4 ) and must be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief