vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$700.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : [ No inquiries listed ] Late Payments : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: RecoverX Corp
State: WA

Complaint narrative:
I am the owner of a small business, XXXX XXXX XXXX, based in XX/XX/XXXX. A XXXX merchant cash advance funder and its collection representatives engaged in improper and harmful conduct while attempting to collect an alleged business obligation. 

Their actions have included third-party contact, misuse of personal and financial information, and pressure tactics that resulted in a payment processor ( XX/XX/XXXX ) placing a hold on my business funds, severely disrupting my ability to operate. 



Detailed description : The company and its representatives : XXXX. Contacted third parties with no legal or financial connection to the alleged obligation, including friends, family members, and individuals associated with former employers. These contacts caused distress, embarrassment, and reputational harm. 
XXXX. Used or referenced personal bank information and accounts unrelated to the business, despite no authorization to access or rely on such information. 
XXXX. Sent communications to shared email accounts owned by other individuals, even after being notified that those addresses were unauthorized and caused third parties to be drawn into the matter. 
XXXX. Asserted collection authority without producing a valid court order, judgment, or properly perfected lien, yet still contributed to a merchant account hold that prevented my business from accessing operating funds. 
XXXX. Caused direct financial harm, including lost contracts, inability to collect revenue, and interruption of business operations during a critical period. 

Although the company later acknowledged concerns and agreed to limit communications, the harm had already occurred. I believe these actions constitute unfair, deceptive, and abusive acts or practices ( XXXX ), including improper third-party contact and misuse of personal data in connection with a business financing product. 



What I want resolved : Confirmation that all third-party contact has permanently ceased Assurance that no personal or unrelated financial information will be used or retained Review of the collection practices and data sourcing used by the company Written clarification of the legal basis ( if any ) for their collection authority Relief from ongoing harm related to improper restraint of business funds Additional information : My business is located in XX/XX/XXXXXXXX The company is based in XX/XX/XXXX Communications are now restricted to a single authorized email address I am willing to resolve the underlying matter in good faith, but only through lawful and appropriate channels

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: WA

Complaint narrative:
IQ DATA is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 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 2025-12-29 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: NJ

Complaint narrative:
This complaint serves as my formal dispute of the accuracy and/or completeness of information contained in my consumer report. Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a detailed description of the reinvestigation procedure your agency conducted in response to my dispute. I recently noticed that an item previously deleted from my credit report has been reinserted. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), I am requesting the following : 1. A copy of the furnisher 's certification that the information is complete and accurate. 2. The name, address, and phone number of the furnisher that reinserted the item. 3. The date the item was reinserted. 4. Proof that I was notified within 5 business days of the reinsertion, as required by law. As required by law, this information must be provided to me within 15 days of this request to remain in compliance with federal regulations. Failure to comply constitutes a willful violation of the FCRA and may result in legal action. I expect a prompt response in accordance with your statutory obligations.

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 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account JEFFERSON CAPITAL SYST Account number XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === INQ === TU : XXXX XXXXXX/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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am disputing inaccurate credit reporting related to one or more federal student loan accounts serviced by this company.

I am currently pursuing XXXX XXXX XXXX XXXX ( XXXX ). I submitted my XXXX application and employment certification in XX/XX/year>, and the application remains pending with no final determination. While this federal forgiveness review is ongoing, the servicer continues to report these loans as delinquent or past due and continues to report active balances that do not reflect the current, verified status of my account. 

Collections activity is active while my XXXX application remains under review. I have attempted to communicate with the servicer multiple times to obtain clarification, request a pause in collections, and confirm accurate account reporting. Those communications have stalled, and I have not received a clear explanation, updated account status, or confirmation that my pending XXXX review has been considered in credit reporting or collections decisions. 

After reviewing my credit reports, I determined that these student loan tradelines have not been updated to reflect current federal loan forgiveness processing requirements and compliance obligations applicable to borrowers enrolled in income-driven repayment and XXXX XXXX XXXX XXXX XXXX . Even when eligibility is still under review, reporting a delinquent or default status without verified, up-to-date confirmation is inaccurate and misleading.

Additionally, these accounts are not currently subject to wage garnishment, tax refund offset, or other involuntary collection enforcement. Credit reporting that implies default status or enforcement eligibility creates a false impression of risk and does not meet the Fair Credit Reporting Act requirement to ensure maximum possible accuracy.

I previously reviewed my credit reports and prepared a written dispute requesting investigation and correction of these inaccuracies. I am requesting that the servicer conduct a complete investigation, identify and verify the source of the information used to report the account status, update all credit reporting to accurately reflect the current status while XXXX is pending, or delete any information that can not be fully verified as accurate. I am also requesting that any corrections be reported to all consumer reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Company : Comenity Capital Bank ( XXXX XXXX XXXX ) I am current on my XXXX/Comenity account, but due to financial hardship ( forced move in XXXX, new lease costs, one-income household, and job loss on XXXX XXXX ), I contacted Comenity proactively to avoid becoming past due. 

My XXXX statement balance was {$2800.00}. My XXXX statement shows a deferred promotional interest charge of {$3600.00}, increasing my total balance to {$6400.00}. The deferred-interest structure is extremely punitive during hardship, and I asked Comenity for options to resolve the account.

Comenity told me they will not discuss or offer any settlement unless the account goes to collections, meaning I would have to become delinquent ( incurring additional interest/fees and potential credit damage ) before they will consider any settlement resolution. I am trying to avoid delinquency, not be pushed into it.

I am requesting that Comenity provide a reasonable hardship accommodation while the account is current, such as : ( 1 ) reducing or removing the deferred-interest charge as a hardship courtesy, and/or ( 2 ) offering a structured hardship payment plan with reduced APR/fee freeze to prevent delinquency. I can provide supporting documents ( statements, layoff/unemployment documentation, lease/moving expenses )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: AZ

Complaint narrative:
I am disputing the following accounts with Experian due to potential inaccuracies in their reporting : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX, XX/XX/XXXX, Balance : {$7300.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1800.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$3700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$5700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$22000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$5600.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$5900.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$24000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$6900.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$3200.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$7500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$530.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$860.00} Inquiries : XXXX, 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 2025-12-29 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XX/XX/XXXXXXXX has violated my rights 15 usc 1681 section 602 A.States I have the right to privacity 15 usc 1681 Section 604 section2 it also state a consumer reporting agency can not furrist a account without my witten 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
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
JPMorgan Chase erroneously credited my wire transfer to an unrelated third-party account. Despite multiple written demand letters, Chase has failed to initiate recovery, provide documentation, or respond. This constitutes bank error and failure to comply with UCC Article 4A and consumer complaint response requirements. I am requesting immediate recovery of funds or written explanation of all recovery efforts undertaken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I applied for a loan with SoFi bank and got approved for a {$10000.00} credit limit. After signing the agreement. They needed me to verify my bank account with either a voided check or a stamped account verification letter. I was unable to provide an account verification letter, but I did provide a voided check to which they said it needed to be a physical copy. My bank account is online so I was not able to go to a branch and get physical copy of the voided check nor did it say anywhere it needed to be a physical copy. So I open a checking account with SoFi bank as they recommended. And a couple of days later they deny or cancel my loan I reached out to them and they said that they couldnt verify my income and then they said that they couldnt verify my identity so they decided to cancel the loan. I was called a liar because they didnt see on their end that the loan was approved. But I had evidence. After all that they said that because I didnt answer the two phone call they did they decided to go that way. I have been working nonstop XXXX week leaving work around XXXX XXXX  from being there at XXXXXXXX XXXX I did not have time to call because it was after office hours and when I did, I reached out and it was too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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