vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding SoFi Banks mishandling of my dispute over unauthorized transactions. 

I was charged for transactions that I did not authorize. I immediately reported the transactions to SoFi and provided clear evidence, including screenshots from their own fraud detection system where I explicitly responded No to the suspected transactions. Despite this, SoFi still allowed the transactions to post to my account.

Under Regulation E, I am entitled to a provisional credit within 10 business days while the bank investigates unauthorized electronic fund transfers. For ten business days, I contacted SoFi daily and insisted on receiving my provisional credit. I was repeatedly told that the matter was under review. On the tenth business day, a SoFi representative assured me on a recorded line that I would receive my provisional credit.

Instead of issuing the credit, on the eleventh business day, SoFi unilaterally reclassified my dispute. They changed the claim from an unauthorized transaction to merchant services not provided or delivered, which is a different dispute category not covered by the same Regulation E protections. This change was made without my consent, contradicts the facts of the case, and appears to be an intentional avoidance of their obligation to provide a provisional credit.

SoFi has failed to : 1. Provide the required provisional credit within 10 business days. 2. Properly classify my dispute as an unauthorized transaction.

3. Adhere to their obligations under federal law ( Regulation E ).

Desired resolution : I request that the CFPB require SoFi Bank to : 1. Immediately provide the provisional credit owed to me under Regulation E.

2. Correctly classify my claim as an unauthorized transaction.

3. Ensure compliance with federal regulations for dispute resolution timelines and consumer protections.

4. Review and address SoFis internal practices of reclassifying unauthorized transaction disputes to deny customers their legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-10-01 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: FL

Complaint narrative:
I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
CREDENCE  RM Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: MO

Complaint narrative:
On Monday XX/XX/year> a representative from CBE Group contacted me via telephone regarding a medical collections that I am trying to dispute. I requested a " Debt validation letter '' and the representative advised me that they do not have to provide that letter to me. She ended the call stating she would not be providing the requested debt validation letter to me. I asked if the call was being recorded and she stated it was.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I have repeatedly tried to get tags on this vehicle for 4 years and have been unable to get registration info from the company. I have been paying for this vehicle and unable to drive it due to being scared to turn it in and it affect my credit. I now want to cancel the contract and it not affect my credit score and they refuse. This loan was bought by Westlake Portfolio Management from XXXX XXXX XXXX when they went out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-01 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 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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am not connected to the referenced creditors and never gave consent for this inquiry. Please delete it from my report.

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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate and unverifiable information being reported on my credit file by the major credit reporting agencies and certain furnishers due to TransUnion XXXX XXXX XX/XX/year>. 

Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Accounts : Several other accounts are being reported as charge-offs or delinquent without any supporting documentation or proof of income/obligation. These accounts are not mine, or they can not be substantiated. Violations of Federal Law : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure maximum possible accuracy. These accounts are not accurate. Under 15 U.S.C. 1681i, I have the right to dispute information, and if the furnisher can not verify the account with proper documentation, it must be deleted. Under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers may not report information they know or should know is inaccurate, and they must investigate disputes thoroughly. If any of these inaccurate accounts are placed with debt collectors, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires proper validation, which has not been provided. Requested Resolution : I am requesting that all inaccurate and unverifiable accounts be permanently deleted from my credit reports, and that only the accurate accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain. I further request that any furnisher or debt collector provide full validation and documentation if they continue reporting these accounts ; otherwise, they must be removed in compliance with 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
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage Services LLC is a third party debt collector who has been servicing my mortgage since XXXXXXXX XXXX XXXXXXXX. They are the third mortgage company that the alleged debt was sold to since I purchased my home & are not the original creditors. Knowing what I know now but didnt know at the time that I signed the promissory note in XX/XX/XXXX, I have requested that they provide detailed documentation validating the alleged debt & proving chain of title as well as being the holder in due course ( on or around XXXXXXXX XXXX XXXXXXXX & again more recently in XXXXXXXX XXXX XXXXXXXX ). While they have responded to me, they have failed to provide any of the documentation that I have specifically requested, outside of a copy of the original note, which does not list Carrington Mortgage Services LLL anywhere, indicating that no valid contract exists between Carrington Mortgage & myself. They simply purchased a debt. I have reached out numerous times only to be accused of fraud despite me naming very specific laws relating to consumer protection & contract law. I attempted to settle the debt via a negotiable instrument which they refused & did not return back to me. Instead they have reported the non existent loan & reported negatively to all the credit bureaus & have placed my account in default status as they proceed with foreclosure actions. Everything that theyre doing is completely ILLEGAL & in bad faith. There was no full disclosure nor lawful consideration when the contract was signed which deems it fraudulent & unenforceable. All of this while failing to lawfully provide me with the information that I have requested. XX/XX/XXXX - Affidavit of Request for Validation ; XX/XX/XXXX a Notice of Acceptance & Negotiable Instrument w/ Tender of Payment ; XX/XX/XXXX - Notice of Fault in Dishonor & Opportunity to Cure ; XX/XX/XXXX - Certificate of Non-Response ; XX/XX/XXXX - Qualified Written Request ( QWR ), Revocation of All Prior Powers of Attorney, & Notice & Affidavit of Billing Error/Cease & Desist . All sent to both the company CEO & CFO with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Kikoff Inc.
State: GA

Complaint narrative:
XXXX is furnishing a tradeline that is false, misleading, and not representative of an actual extension of credit. This reporting lowers my XXXX XXXX, misrepresents my creditworthiness, and prevents me from obtaining fair access to credit. 


I am revoking all prior authorization and consent XXXX had to report my information. 
I am opting out of data sharing and demand they delete the account and all tradeline reporting. 
i am rescinding any implied or express agency relationship XXXX  etc FCRA, 15 U.S.C. 1681b ( a ) Credit reporting must be permissible and authorized. Revocation removes that authority.

FCRA, 15 U.S.C. 1681e ( b ) They must ensure accuracy. If you revoke consent, continued reporting becomes inaccurate/unlawful.

EFTA, 15 U.S.C. 1693e Written authorization is required for transfers/agreements ; withdrawal cancels ongoing authority. 
XXXX ( CFPB authority ) Continuing after revocation = unfair/deceptive. 

XXXX is also furnishing unnecessary and outdated personal identifiers ( addresses, DOB, etc. ), creating further risk of harm and violating the FCRAs accuracy and completeness requirements ( 15 U.S.C. 1681e ( b ), 1681s-2 ).

Kikoffs business model does not meet the definition of a bona fide credit account under EFTA ( 15 U.S.C. 1693 et seq. ), and continuing to furnish this information constitutes unfair and deceptive reporting, as defined under CFPB XXXX  standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation