vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
At the time of seeking an estimate for repairs, I was informed of a financing plan purportedly requiring monthly payments of {$130.00} with no interest if paid in full within 90 days. However, I was later charged biweekly payments without my knowledge or explicit consent to these terms as well as additional fees not told to me. Furthermore, I was asked to provide sensitive personal information including my Social Security number, birthdate, and banking information, after which a XXXX document was delivered on my phone that I did not have a reasonable opportunity to review or sign. A representative signed the contract on my behalf without my authorization. 

Given these circumstances, I believe the contract to be legally invalid due to lack of informed consent and possible unauthorized signature. Moreover, the withdrawal made from my account was done without proper notification, resulting in an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had ONE late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # 39 ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX, I received an ACH Transfer credit for a large dollar amount to my SoFi checking account from my old XXXX XXXX  checking account. The problem is, I did not initiate this transaction, my old XXXX XXXX  account had a XXXX balance, and worst of all, the account had been closed for over six months. I contacted XXXX XXXX, and they told me they did not have a record of the transaction, so there was nothing they could do -- even though the transaction used their ABA number and my old, closed account number. I contacted SoFi and spent three hours on hold and/or speaking with various agents, who all kept telling me over and over again to contact XXXX XXXX  XXXX This is obviously a fraudulent transaction, and appears from XXXX searches to be a known money-mule and/or identity theft scam, but after spending three hours on various calls with various departments at SoFi, I was unable to get any help, even something as simple as getting the XXXX XXXX Number, Originator Name or Company ID, the Originating Depository Financial Institution, or any other information from SoFi, other than the ABA and Account Number listed on the transaction. Worse, I was given no advice or help as to how to protect myself or my accounts from this obvious fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 explanation
Consumer complaint received 2025-11-02 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: IL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 2025-11-01 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: GA

Complaint narrative:
XXXX Summary of Complaint I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove or properly verify multiple unauthorized hard inquiries that appeared on my consumer credit reports, even after I submitted a written FCRA dispute with supporting identity-theft documentation. 
These inquiries were not authorized, not initiated by me, and no signed consent or permissible-purpose documentation exists. 

XXXX Companies Involved ( Respondents ) Experian Information Solutions , Inc. P.O. Box 4500, Allen, TX 75013 Equifax Information Services LLC P.O. Box 740256, Atlanta, GA 30374 TransUnion LLC P.O. Box 2000, Chester, PA 19016 3 Unauthorized Inquiries in Dispute Experian Reprise Financial / XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) Equifax XXXX  XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) TransUnion XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX & XX/XX/XXXX ) I never applied for credit, loans, or services with these entities, nor provided any authorization for hard inquiries. 

XXXX FCRA Sections Violated 604 Permissible Purpose : No authorization or permissible-purpose documentation produced. 

XXXX07 ( a ) ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

609 ( a ) ( 1 ) ( 3 ) : Failure to provide full disclosure of the source of inquiries and verification method.

611 : Failure to properly reinvestigate within XXXX  days.

605B : Failure to block identity-theft-related inquiries after receiving FTC Report # XXXX XXXX 

605A : Failure to apply or maintain requested fraud alert. 

XXXX Actions Already Taken Sent certified dispute letters dated XX/XX/XXXX to Experian, Equifax, and TransUnion invoking 604, 609, 611, 605A, 605B. 

Included FTC Identity Theft Report ( # XXXX ), photo ID, proof of address, and highlighted credit report pages. 

Requested Method of Verification ( MOV ) for each inquiry and deletion if no signed authorization was available. 

Requested fraud alert placement and blocking of identity-theft related inquiries. 

No bureau provided any proof of authorization, permissible purpose, or written response confirming blocking under 605B. 

XXXX Harm Caused Because of these unauthorized inquiries : My credit scores declined significantly. 

I was denied legitimate credit and loan opportunities. 

I experienced emotional distress and loss of time from ongoing dispute efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
XXXX Summary of Complaint I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove or properly verify multiple unauthorized hard inquiries that appeared on my consumer credit reports, even after I submitted a written FCRA dispute with supporting identity-theft documentation. 
These inquiries were not authorized, not initiated by me, and no signed consent or permissible-purpose documentation exists. 

XXXX Companies Involved ( Respondents ) Experian Information Solutions , Inc. P.O. Box 4500, Allen, TX 75013 Equifax Information Services LLC P.O. Box 740256, Atlanta, GA 30374 TransUnion LLC P.O. Box 2000, Chester, PA 19016 3 Unauthorized Inquiries in Dispute Experian Reprise Financial / XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) Equifax XXXX  XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) TransUnion XXXX XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX & XX/XX/XXXX ) I never applied for credit, loans, or services with these entities, nor provided any authorization for hard inquiries. 

XXXX FCRA Sections Violated 604 Permissible Purpose : No authorization or permissible-purpose documentation produced. 

XXXX07 ( a ) ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy.

609 ( a ) ( 1 ) ( 3 ) : Failure to provide full disclosure of the source of inquiries and verification method.

611 : Failure to properly reinvestigate within XXXX  days.

605B : Failure to block identity-theft-related inquiries after receiving FTC Report # XXXX XXXX 

605A : Failure to apply or maintain requested fraud alert. 

XXXX Actions Already Taken Sent certified dispute letters dated XX/XX/XXXX to Experian, Equifax, and TransUnion invoking 604, 609, 611, 605A, 605B. 

Included FTC Identity Theft Report ( # XXXX ), photo ID, proof of address, and highlighted credit report pages. 

Requested Method of Verification ( MOV ) for each inquiry and deletion if no signed authorization was available. 

Requested fraud alert placement and blocking of identity-theft related inquiries. 

No bureau provided any proof of authorization, permissible purpose, or written response confirming blocking under 605B. 

XXXX Harm Caused Because of these unauthorized inquiries : My credit scores declined significantly. 

I was denied legitimate credit and loan opportunities. 

I experienced emotional distress and loss of time from ongoing dispute efforts.

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 2025-11-01 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts are in direct breach of 15 USC 1666. My payment history has always been timely, and any errors reflected in these records are both improper and unlawful.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The collector is texting my husband using intimidating and misleading language, referring to some kind of " complaint '' against me. I received an email from this collector about this debt on XX/XX/XXXX, and it is apparently very old - past statute of limitations. There is nothing on my credit report to this effect and I have received nothing by mail from anyone concerning this debt. Only email and now text to my husband 's phone. The texting with intimidating language referring to some sort of " complaint '' is the real concern here. There is no complaint against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following entities have reported or furnished information that has violated my federally protected consumer rights to privacy, confidentiality, and accuracy under the FCRA : XXXX XXXX XXXX Account # XXXX - XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX ( Account Number XXXX  ) Pursuant to 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to assure the maximum possible accuracy of information concerning the consumer. These agencies have failed to do so.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any item of information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected, and the furnisher must be notified.

Under 15 U.S.C. 1681s-2 ( a ), no furnisher of information shall provide data to a consumer reporting agency if they know or have reasonable cause to believe that such information is inaccurate.

Additionally, 15 U.S.C. 1681b ( a ) ( 1 ) prohibits any person from furnishing consumer information without a permissible purpose as defined by law.

Each of the accounts listed above represents a violation of these provisions. Therefore, I demand that : 1. Any and all inaccurate or unverifiable information related to these accounts be immediately deleted from my consumer report.

2. Written confirmation of these deletions be provided to me within the time allowed by law.

3. Each furnisher and reporting agency cease and desist from any further unauthorized disclosure of my consumer information.

Failure to comply with the above may result in the pursuit of all remedies available under federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consideration of civil legal action for willful noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Email : XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Constar Financial Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX p.m. Arizona XXXX XXXX, I called XXXX XXXX XXXX regarding a debt they are attempting to collect on behalf of XXXX Bank, for a deafulted auto loan. Notably, in XX/XX/year>, I sent a certified letter to XXXX XXXX regarding this debt, which I have receipt of them receiving in their office on XX/XX/year>, however they only began reaching out to me in response to this letter in the days leading up to XX/XX/year> ( this is what I was told by the representative from XXXX XXXX ). 

Upon calling XXXX XXXX, I was transferred to a representative who I was told would be able to best assist me in discussing this debt. My conversation with the representative ( named " XXXX '' ) started without incident and continued as I would expect until our discussion regarding potential settlement or repayment options deepend. This representative suddenly became verbally abusive, accusatory, used demeaning language, and appeared to be attempting to antagonize, berate, or otheriwse enact verbal abuse. At this point, I requested to be transferred to a XXXX, which was done. Just as I was in the moment, I remain astonished regarding the behavior of this representative, and in awe of the professional boundaries and dencency of communication that were violated. 

I then spoke with the XXXX about this incident, as well as the debt, and also requested a transcript and/or recording of the phone call, which she stated she would need to inquire about whether this is something that can be provided to me, and I have not yet heard back. 

I was extremely taken aback by this incident, and remain shocked and appalled that a representative would act in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
My credit report is inaccurately reporting a student loan serviced by XXXX XXXX XXXX XXXX. Experian lists the account as Paid account/was a charge-off, while XXXX  lists it as Charged off as bad debt. The reporting is inconsistent and incomplete, violating the FCRA requirement for maximum possible accuracy. I have disputed multiple times, and the servicer has failed to provide proper verification.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report is inaccurately reporting a student loan serviced by XXXX XXXX XXXX XXXX. XXXX  lists the account as Paid account/was a charge-off, while TransUnion lists it as Charged off as bad debt. The reporting is inconsistent and incomplete, violating the FCRA requirement for maximum possible accuracy. I have disputed multiple times, and the servicer has failed to provide proper verification.

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