vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ratchford Law Group, P.C.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company Ratchford Law Group , P.C . is engaging in coercive and aggressive collection practices. When I contact them in writing to request a proper debt validation and to identify who is attempting to collect from me, they respond only with documents intended to confuse me which is a practice prohibited by law. 

Specifically, they have only sent me a balance statement and a bank statement, neither of which constitutes proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Under federal law, a valid debt validation must include, among other things, a copy of the original contract bearing my signature, the complete chain of title, proof that they are the holder in due course under UCC Articles 3 and 9, and any transfer documentation pursuant to 15 U.S.C. 1641 ( g ) ( TILA ).

By failing to provide this information and continuing their collection efforts, the company is in direct violation of my rights as a consumer.

I NEED Proof of an original contract signed by me Full chain of title Proof that you are a Holder in Due Course under UCC Articles 3 and 9 Any transfer document pursuant to 15 U.S.C. 1641 ( g ) ( TILA ) Any identification in a Pooling and Servicing Agreement, if it was securitized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I wired money ; the next day I called because I was questioning the authenticity of the transfer. I spoke to a customer service agent and asked about them pulling the wire back. I never heard back from anyone from VyStay after that. I called VyStar today and have been in the office. They will not help to recover the funds from the bank the funds went to. The amount in dispute is {$6800.00} on XX/XX/year> The wire transfer was to 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 2025-08-15 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: FL

Complaint narrative:
I am bringing to your attention that the accounts listed do not pertain to me and may have been fraudulently opened. I kindly request their immediate removal upon completion of a formal review. Enclosed are documents for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Squares credit card processing service has been the worst business experience we have ever encountered. Your company operates with complete incompetence, acting as though the laws do not apply to you. Almost every customer service representative we have spoken with has been located overseas, with poor communication skills that make it nearly impossible to resolve issues effectively.

Square continues to place unjustified holds on our funds, demanding irrelevant documentation. We have provided invoices as requested, yet now you are asking for private customer information, which we absolutely refuse to provide as it violates our customers privacy rights.

Your actions are unethical and harmfulnot only to our business but also to our customers. By withholding our funds, you are directly causing financial hardship and preventing us from fulfilling orders and providing services. This behavior is unacceptable, and no company engaging in such practices should be allowed to operate in the United States.

We demand that our funds be released immediately and that Square be held accountable for the damages and disruption caused to our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
Rent Recovery Solutions is reporting a {$3100.00} collection account ( Account # XXXX ) with XXXX  and XXXX  that is inaccurate, incomplete, and unverifiable. The account is listed as collection account {$3100.00} past due while also showing 0 % paid off, which is contradictory. The payment history shows C codes without explanation, rendering the file incomplete. 

I have never signed any agreement with Rent Recovery Solutions. They have failed to provide the original signed lease, a full itemized breakdown of charges, or the chain of title proving the legal right to collect. Without this, the debt is unverifiable under FCRA 611. 

Additionally, I have reason to believe this account may have been sold, assigned, or transferred into a securitized trust, meaning Rent Recovery Solutions may not be the real party in interest. Under principles of equity and trust law, only the trustee of a securitized asset-backed trust with proper authority can pursue or report such a debt. Without proof of beneficial ownership or trustee authorization, continued reporting violates FCRA 607 ( b ) and FDCPA 807 and 809.

This inaccurate reporting is causing harm and is a violation of my consumer rights. I request the CFPB require deletion of this account unless full, documented validation is provided including original signed contract, itemized charges, complete payment history, and documentation of any securitization or trust ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: WV

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must contain only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, they should be 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 2025-08-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX AUTO XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/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 2025-08-15 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-15 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: NY

Complaint narrative:
Social security number XXXX I have a federal trade commission identity report on filed my complaint equifax supposed to remove the 4 negative accounts that should late and the XXXX XXXX  accounts the negative items supposed to be removed and experian remove XXXX XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I have obtain a copy of my credit report and noticed that their are several inaccuracies on my account. this account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy. He is the item I am asking you to verify as accurate. 
account name 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 2025-08-15 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, Account XXXX : XXXX l request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time. as l have consistently upheld my payment obligations 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 2025-08-15 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: GA

Complaint narrative:
I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per XXXX U.S. Code XXXX, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed. 

LATE PAYMENT XXXX USC XXXX a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reportinginaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per XXXX U.S. Code XXXX, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed. 

LATE PAYMENT XXXX USC XXXX a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under CARES Forbes Act I believe the late payments for this are reportinginaccurately.

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 2025-08-15 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: FL

Complaint narrative:
The credit inquiries identified were made without my knowledge or consent. I respectfully request their removal from my record.

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 2025-08-15 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: FL

Complaint narrative:
I respectfully assert that these accounts are fraudulent and not initiated by me. I request that you undertake a thorough investigation and update my credit report accordingly. All relevant documentation is attached.

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 2025-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Chesapeakes Services
State: FL

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, I received a call from an unknown number ( XXXX ) XXXX that hung up immediately. 

At XXXXXXXX XXXX, I received another call from ( XXXX ) XXXX. The caller said they were looking for me ( XXXX XXXX XXXX, but I did not confirm my identity. They told me to write down a claim number ( XXXX ) and to call ( XXXX ) XXXX immediately. 

When I called that number, the company identified itself as XXXX XXXX. I gave them the claim number, and they said they were a claim company based in California not a debt collector and that this matter was beyond collections. They claimed a locating company had my case, and if I had not yet been served in person, they could help me by taking care of the balance. They said once I was served, they could no longer help me. 

On XX/XX/year>, I contacted Lendly ( XXXX ), who told me my account was with XXXX XXXX XXXX ( XXXX ). When I called XXXX, they said they no longer had my case and had transferred it to XXXX XXXX ( XXXX ). 

When I called that number, it again answered as XXXX XXXX. I asked why it did not say XXXX XXXX, but the representative refused to answer and placed me on hold. They then transferred me to XXXX XXXX XXXX ext. XXXX ), who said they were a claims company, not a debt collector, and repeated that once the locating company served me, they could not help me. XXXX said if I could make a {$75.00} payment, they could set up a payment arrangement of {$120.00} on the XXXX, then {$100.00} every payment period until paid in full. 

I provided my debit card information and paid the {$75.00}. XXXX promised to email me the validation of the debt and a payment confirmation. When I asked if they had a website, she said no. 

On XX/XX/year>, I called XXXX to say I had not received the validation or confirmation. She claimed she needed to request it in the system and it would take XXXX to XXXX hours. I told her I needed the validation immediately because the situation seemed suspicious. She said she would transfer me to her supervisor, which confused me because I thought she was the supervisor. She then said her supervisor was busy and told me to leave a voicemail. 

Shortly after, I received an email from XXXX that did not validate the debt. It was only a typed letter showing a payment arrangement, not proof of the debt, the original creditor, or their legal right to collect. 

I believe this company used threatening and misleading tactics to pressure me into payment without validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). They also misrepresented their role, failed to provide required written notice, and could not explain their connection to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Timeline and issue : XX/XX/year> {$6900.00} ACH deposit posted from XXXX XXXX into my SoFi account. 

XX/XX/year> A SoFi representative confirmed in writing that the {$6900.00} XXXX deposit would be counted as a qualifying direct deposit for the {$300.00} promotional bonus. Based on this confirmation, I did not change my payroll allocation, which otherwise could have met the {$5000.00} requirement with XXXX payroll alone within the promotional window. 

SoFis promotion terms The offer clearly stated that new account holders who, within 30 days of account opening, receive qualifying direct deposits totaling at least {$5000.00} will earn a {$300.00} bonus. 

XX/XX/XXXX, XXXX contacted SoFi after receiving only a {$50.00} Money Promo Bonus. The representative refused to honor the original confirmation and did not provide a fair resolution.

Additional attempts to resolve : I have repeatedly requested SoFi to resolve this by providing an equivalent value in SoFi Rewards Points or waiving fees, but all such requests were declined.

Requested resolution : I request that SoFi honor the original confirmation by issuing the promised {$300.00} promotional bonus under its published terms, or provide an equivalent value of XXXX SoFi Rewards Points.

Company response to consumer: Closed with explanation