vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

* * Accounts in Question : XXXX XXXX XXXX XXXX XXXX  {$380.00} ) - XXXX XXXX XXXX XXXX XXXX - Social Security Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. * * 15 USC 1681i * * : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. * * 15 USC 1681e ( b ) * * : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. * * 15 USC 1681g ( a ) * * : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. * * 15 USC 1681m * * : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. * * 15 USC 1681n * * : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-15 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:
Under the FDCPA and FCRA, verification is not just a name XXXX  is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-15 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USEED IT TO OPEN UP ACCOUNTS. PLEASE REMOVE AND BLOCK THESE INCORRECT ITEMS OFF MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USEED IT TO OPEN UP ACCOUNTS. PLEASE REMOVE AND BLOCK THESE INCORRECT ITEMS OFF MY CREDIT REPORT. THANK YOU.

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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE : FRAUDULENT ACCOUNTS IDENTITY THEFT DISPUTE I am writing to demand the immediate removal of all fraudulent accounts and inquiries listed on my credit report. These accounts were opened without my knowledge or consent while I was incarcerated for 17 years, during which I had no physical ability or legal capacity to initiate any financial activity, including opening credit accounts.

Attached are the following documents substantiating my claim : A copy of my government-issued photo identification Official prison records verifying my incarceration period A copy of my FTC Identity Theft Report Any additional supporting documentation as required The existence of these accounts on my credit report is not only inaccurate but also a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expect a full and thorough investigation into all disputed items and a prompt removal of all fraudulent accounts. I also demand that a corrected credit report be sent to me once this matter is resolved.

I consider this a formal dispute and request under the FCRA. If these fraudulent accounts are not removed in a timely manner, I will not hesitate to escalate this issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to pursue all available remedies.

This matter is urgent, and I expect a written response within the required 30-day timeframe, as stipulated by 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: GA

Complaint narrative:
I am writing to formally dispute I am writing to formally dispute the accuracy of the late payment history reported for the following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. I respectfully request that you investigate this matter, correct the payment history if it is found to be inaccurate, and provide me with written confirmation and a free updated copy of my credit report upon completion of the investigation.

Please complete your investigation within the 30-day timeframe as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX the accuracy of the late payment history reported for the following account on my credit report : After reviewing my records and statements, I believe this late payment reporting is inaccurate and in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies and furnishers to ensure the maximum possible accuracy of credit file information. I respectfully request that you investigate this matter, correct the payment history if it is found to be inaccurate, and provide me with written confirmation and a free updated copy of my credit report upon completion of the investigation.

Please complete your investigation within the 30-day timeframe as required by the FCRA. Thank you for your attention to this matter. 

Sincerely, 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 2025-05-15 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: Alliance One, Inc.
State: PA

Complaint narrative:
I am responding to XXXX XX/XX/XXXX letter. They acknowledge attempting to collect on a XXXX XXXX account assigned to them from XX/XX/XXXX to XX/XX/XXXX. However, they began collection efforts in XX/XX/XXXX without first validating the debt as required by the FDCPA ( 15 U.S.C. 1692g ). They offered payment options without providing a signed agreement, itemized breakdown, or proof of their right to collect. 

XXXX XXXX later confirmed the account was charged off in XX/XX/XXXX and sold to XXXX XXXX in XX/XX/XXXX. Despite this, they refused to issue a XXXX as required by 26 U.S. Code 6050P. XXXX XXXX now claims ownership of the debt and others, yet has not provided complete validation either. 

I am requesting the CFPB investigate these parties for : Collecting without validation ( XXXX  ) Failing to issue XXXX for a charged-off debt ( XXXX  XXXX ) Reporting or attempting to collect without full FDCPA-compliant verification ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Kriya Capital, LLC
State: IA

Complaint narrative:
CREDENCE RESOURCE MANA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Proof of Assignment and Dispute of Alleged Debt I WAS NEVER LATE ON THIS ACCOUNT I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you. 



Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute.

This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) XXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal written request to National Credit Systems , Inc. ( NCS ) for validation of a debt they reported to the credit bureaus in the amount of {$9000.00}, allegedly owed to XXXX at XXXX XXXXXXXX XXXX XXXX. My request specifically asked for a signed lease agreement, a detailed breakdown of charges, proof of NCSs legal authority to collect the debt, and confirmation that the debt was within the statute of limitations.

NCS did not respond within the 30-day period required by the Fair Debt Collection Practices Act ( FDCPA ). They only submitted documents after I filed a complaint with the CFPB on XX/XX/XXXX, XXXX beyond the legal timeframe for a valid response under 15 U.S.C. 1692g. I maintain that this debt was not properly validated and that any continued reporting or collection is unlawful. Only after I filed a CFPB complaint did they submit documentsincluding an unsigned lease and some copy of a notice of debt referencing an address where I have never lived showing timely notice never occurred.

The lease provided in their response was not signed. I do not recognize or agree to the charges associated with this unsigned lease, and I do not acknowledge the validity of any tenancy obligations outlined within it. Without a signed agreement, there is no enforceable contract. Therefore, no charges or debt collection activity based on this document should be considered valid or reportable. Anyone could have pre-filled this PDF document, and without a signature, there is no confirmation that I reviewed or agreed to its terms.

Additionally, in their response, NCS incorrectly referred to me as XXXX and used an abbreviated version of my name, despite having accurate information on file. This misgendering and inaccuracy demonstrate carelessness and raise concerns about the reliability of their records and their handling of consumer identity. 

Because the original complaint was closed despite these unresolved and legally significant issues, I am submitting a new complaint requesting immediate deletion of this debt from all credit reporting agencies and that collection activity cease entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
XXXX account number XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX account XXXX {$3900.00} These accounts are fraudulent accounts and they need to be removed from my consumer credit 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute fraudulent activity under 15 U.S. Code 1681c-2, which requires creditors and credit bureaus to properly investigate and block fraudulent information resulting from identity theft. 

Bank name : XXXX  XXXX Fraudulent Account Number : XXXX Date Opened Discovered ; XX/XX/year> Amount of Fraudulent Charges : {$10000.00} Despite my efforts, this fraudulent account has not been properly removed from my credit report, or the creditor has failed to conduct a reasonable investigation as required by law. 

1.Immediate removal of the fraudulent account from my credit file., 2.Correction of my credit report by all three major bureaus., 3.Confirmation in writing that this account is fraudulent and will not be reported further., 4.Investigation into the creditors failure to comply with fraud dispute requirements,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable.

The information listed is inaccurate and has caused significant harm. Please note that in XXXX 2025, the CFPB fined Equifax {$15.00} million due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XXXX XXXX 2025 * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law.

Enclosed are the necessary supporting documents, including a copy of my government-issued ID and proof of residency. 
XXXX XXXX & XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
Complaint # XXXX SoFi continues to ignore its obligations under Regulation E. Ive provided ample evidence and repeatedly demanded the actual data and documentation used to conclude I authorized these transactions. Instead, SoFi responded with a XXXX  of my own bank statement, lazily highlighted like a middle-school project in XXXX XXXX evidence, not an investigation. 

They dismissed every substantive point I raised, failed to explain their reasoning, and offered no legitimate documentation beyond what I already provided. Thats not a good-faith reviewits a deliberate refusal to comply with federal law. 

The CFPBs failure to hold SoFi accountable only enables this pattern of misconduct. SoFis refusal to inform me how or where to access the actual documents used in their decision is a clear violation of consumer rights and regulatory requirements.

This is not just mishandling. Its systemic noncompliance, and Im filing a new complaint accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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