vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and disputed information on my XXXX credit report. I am actively working to correct and rebuild my credit and have identified the following issues that appear to be reported incorrectly or without proper validation. 

XXXX Accounts XXXX Account # XXXX Reported charged off with a date of XX/XX/XXXX. This account should no longer be reported as it is past the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

XXXX Account # XXXX Reported charged off with a date of XX/XX/XXXX. Similarly, this is beyond the seven-year reporting limit and should be removed from my file. 

Unauthorized or Questionable Inquiries The following hard inquiries appear on my XXXX report without my knowledge or consent : 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 XXXXXX/XX/XXXX I am requesting verification that I authorized each of these inquiries. If not verifiable, I request that they be deleted. 

Late Payment Reporting I am disputing late payment information on the following accounts, as the reporting does not accurately reflect the payment history or agreements in place : XXXX XXXX ( Account # XXXX ) XXXX XXXX  ( Account # XXXX ) XXXX XXXX XXXX  ( Account # XXXX XXXX XXXX XXXX Account # XXXX ) I request these accounts be reviewed for accuracy and updated to reflect correct payment information.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any errors in these records are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have an Apple credit card that I've used for purchases each month, and I pay the balances as they are charged. In XXXX, I had a payment scheduled. However, I forgot it was scheduled and made the payment a day before the automatic payment was due, so the bank charged me twice. Before the charge was debited from my bank account, I contacted them to cancel one of the charges, but they said they couldn't. I tried several times, and they kept saying they couldn't cancel the payment and that I should file a dispute with my bank. The bank also couldn't do anything at the time until both charges were processed, so I filed a dispute. But today, I received an email from Apple Card stating that Goldmen Bank has decided the payments are non-refundable, so I understand they don't want to return my money. The amount is {$91.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CO

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 2025-11-03 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:
My credit report includes late payment entries that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only accurate, complete, and verifiable information. I request that these late payment entries be verified, and if they can not be confirmed, corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, who has violated my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

This continued reporting without proper verification constitutes a willful and negligent violation of both the FCRA and FDCPA. Santanders actions have caused reputational harm, emotional distress, and financial damage by misrepresenting my creditworthiness to third parties. 

I have already initiated arbitration proceedings due to these violations ; however, I am requesting the CFPBs investigation and enforcement intervention to ensure full compliance with federal credit reporting laws. 

I am requesting that : XXXX. XXXX immediately delete all unverified and disputed items from TransUnion and Equifax credit reports. 
XXXX. XXXX delete all items associated with my name because of failed debt validation documentation, including the original contract and itemized accounting was not provided. 
XXXX. The CFPB take regulatory action to ensure Santander complies with FCRA and FDCPA obligations. 

Thank you for your attention to this matter. I request confirmation that this complaint is being reviewed and that corrective action will be taken.

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 2025-11-03 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: CA

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any errors in these records are both unfair 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXXLVNV Funding LLCXXXXXXXX XXXX XXXX SC XXXXSubject: Cease and Desist Demand Pursuant to 15 U.S.C.  1692c(c)XXXXRe: Account Numbers:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo Whom It May Concern:XXXXThis letter serves as my formal written notice under the Fair Debt CollectionXXXXPractices Act (FDCPA), 15 U.S.C.  1692c(c), demanding that LVNV Funding LLC and its agents immediately cease all communication with me regarding the above-referenced accounts.  Under federal law, once a consumer provides written notice to a debt collector to cease further communication, the collector may only contact the consumer for the following limited purposes:XXXXXXXX  To advise that collection efforts are being terminatedXXXX. To notify the consumer that the collector may invoke specified legal remedies; orXXXX. To notify the consumer that the collector intends to invoke such a remedy.XXXXAccordingly, you are hereby directed to cease all telephone calls, letters, emails, text messages, or any other form of contact with me, my family, my employer, or any XXXX XXXX in connection with these alleged debts.XXXXThis notice is not an acknowledgment of liability for any alleged debt, nor does it waive any of my rights under federal or state law. Any further contact outside the exceptions listed above will constitute a violation of the FDCPA, which may result in a complaint being filed with the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), and the Office of the State Attorney General.XXXXI expect full compliance with this request immediately upon receipt of this notice.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
The following is inaccurate and not mine.15 USC 1681s-2 ( A ). There are many inconsistencies. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 2025-11-03 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Around XX/XX/XXXX or fourth I filed a dispute with Sofi Bank against XXXX XXXX  for {$300.00}, this dispute was for a wig that never came. I make wigs for XXXX patients so this affects my clients. XX/XX/XXXX XXXX XXXX XXXX  accepted the charge back and every since then SoFi has just sat on my dispute and made up some type of story that XXXX XXXX hair has never contacted them back when I have proof that XXXX XXXX sent them the money and also they gave me their financial information and the routing number and the account number and everything showing that they sent that money back. Sofi back office has continued to ignore me, belittle my intelligence and lie on the company and say that the company never responded. It has been a month and they are still not handling my dispute or even trying. Im constantly getting check your emails check your emails. We have up to 90 days. I dont understand why would I have to wait 90 days when my dispute was already handled by the company, I just want my money back so I can close this bank account and never have to deal with Sofi ever again because this has been the worst experience in my life Dealing with this bank within the last past three months and Ive been with them a few year. All Im asking is for this bank to look at the picture that I uploaded from the company with their tracking number and find my money and give it to me. Thats it. It shouldnt have to take all this long when they have it already these people have the worst customer service in the entire world. I contacted XXXX XXXX XXXX  and I wish that I would have read up on them before I even opened up an account because clearly they have a problem with handling people money too many complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this erroneous account from my credit report, as I never authorized its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I, XXXX XXXX ( DOB XXXX last 4 of SSN XXXX ), am filing this complaint because Experian, Equifax, continue to report inaccurate XXXX XXXX XXXX XXXX accounts on my credit report. I previously disputed these items, yet they remain with remarks such as consumer disputes after resolution. This is false and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires deletion of unverifiable information. I request immediate removal of all XXXX XXXX XXXX XXXX accounts and related remarks from all credit reports and written confirmation once completed. This inaccurate reporting is causing financial harm and preventing fair access to credit. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief