vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), to report multiple debt collectors who have contacted me without my consent and continue to communicate in violation of my rights as a consumer.

Attached are Cease and Desist Notices that I have issued to the following debt collection agencies, instructing them to immediately stop all contact and communication with me regarding the associated accounts : XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX Account # XXXX Each notice was sent in accordance with federal law and cites my consumer rights under the FDCPA. Despite my clear written requests, I am concerned that these entities may continue to violate the provisions of the Act by contacting me or furnishing information to third parties without authorization.

I respectfully request that the Consumer Financial Protection Bureau investigate these matters and ensure that these collectors cease all communication and fully comply with the Fair Debt Collection Practices Act.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi Bank continues to misrepresent the existence of a hardship assistance process on their website and app. Their latest CFPB response falsely claimed that borrowers can manage hardship or deferment requests through their online portal. This is completely inaccurate no such option exists. The only buttons available are Make a Payment and View Account. 

I have been proactive, transparent, and communicative about my financial hardship since XXXX, yet XXXX continues to send canned replies, refer me to collections, and ignore my right to written ( email ) communication. This is not only misleading to the CFPB but also unfair and deceptive to consumers in hardship. Their actions have caused unnecessary stress, confusion, and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Alll my accounts have been compromised cause someone stole my phone and had access to all my information in which he/she erased all my email addresses permanently and stole my identity. I am suffering emotionally and mentally and my social security has also been compromised. I would like these issues taken care off so i can get my life back.

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 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains multiple auto and banking-related inquiries that I never personally authorized. These inquiries create a false impression that I have been actively applying for new credit or financing, which is entirely inaccurate. The inquiries currently reporting are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> I did not submit any credit applications with these institutions around the dates shown, nor did I provide authorization for them to perform these credit inquiries under my name. The repeated presence of multiple inquiries from similar lenders on the same dates raises serious concerns about how my personal financial data is being shared or accessed without consent. 

Under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as TransUnion are legally required to ensure that all information including credit inquiries is reported accurately and only for a permissible purpose. If no legitimate application or consent was given, TransUnion is not permitted to maintain these inquiries on my credit report. Maintaining them without proper verification constitutes a violation of the FCRAs accuracy and reinvestigation provisions. 

I previously disputed these inquiries with TransUnion, but the responses I received were insufficient. Rather than providing documented proof of authorization, I was given a generic statement claiming the inquiries were verified as accurate, which does not meet the FCRAs requirements for a reasonable investigation. TransUnion has a legal obligation to verify that each inquiry was legitimately authorized, not merely to accept the furnishers claim without evidence. 

These unauthorized inquiries have negatively impacted my XXXX XXXX and creditworthiness, creating the appearance that I am overextending myself financially. Beyond the financial harm, this situation has caused significant stress and concern over the security of my personal information.

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 2025-11-09 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: NC

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
This creditor is reporting a debt that was legally and irrevocably assigned to an irrevocable private trust, under UCC Article 9. I have provided an irrevocable assignment ( without recourse ) documents and notice of subrogation. Continuing to report the debt under my personal credit file constitutes inaccurate reporting under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and deceptive collection practices under FDCPA 15 U.S.C. 1692e. I suffer from actual and punitive damages, remedy will be sought after.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Chime is refusing to dispute fraud bank money transfer from my bank account with my police report XXXX  times I can not pay rent or eat or get to work because of this issue im on XXXX XXXX  and owe taxes and this fake bank is keeping me from striving

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
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 explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im extremely upset with how Citi handled my XXXX XXXX card account. After I made a complaint about a hold on my account, Citi completely closed it the very next dayright after I filed a complaint with the CFPBwhich feels like clear retaliation for speaking up. What makes this even worse is that theyre now telling me Im still liable for a payment, the annual fee, even though the account was on hold and then shut down right after being approved. How does that make any sense? If the account is closed, I shouldnt owe anything, especially after they mishandled the situation. This whole experience has been nothing but frustrating and unfair. Citi has shown terrible customer service, no accountability, and no concern for its customers. I would strongly warn others to stay far away from Citi Bank and their so-called Elite productsthey clearly dont treat their customers with respect or fairness.

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 monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet filed delinquency for all XXXX of my student loans due to one auto pay error, absolutely tanking my credit score from XXXX. 


Ive been making my student loan payments on time since forbearance ended and have made multiple large payments in order to bring it down. I was absolutely certain I setup autopay on my loans and did not receive any email or phone call informing me of the delinquency prior to the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
I filed a dispute with Chime for XXXX unauthorized charges totaling {$50.00}. XXXX in which occurred on Monday XXXX XXXX at XXXX in the amount of {$45.00} from XXXX XXXX and another unauthorized charge for {$5.00} on XXXX XXXX at XXXX from XXXX XXXX XXXX not authorize either these transactions and did not receive any goods or services from them. Chime denied my dispute and only stated that no error occurred, without providing any explanation or evidence supporting their decision. 

I appealed the denial on XXXX XXXX and requested a detailed explanation and reconsideration under Regulation XXXX ( XXXX XXXX XXXX ), which requires a financial institution to provide the results and supporting documentation of its investigation. 

Despite my written appeal and a XXXX deadline for a response, Chime has failed to respond or provide any documentation to date. I believe this violates my rights under Regulation XXXX, as I was not given a fair investigation or proper explanation for the denial. 

I am requesting that Chime : Reopen and properly investigate my dispute, Provide copies of any evidence or documentation used in their decision, and XXXX a refund for the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/2025 To : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint and Dispute Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ) Dear XXXX XXXX and the Federal Trade Commission, I am writing to file a formal complaint and dispute regarding TransUnions ongoing failure to comply with Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. 
Earlier today, I spoke with a TransUnion customer service representative who was both unprofessional and dismissive. The representative informed me that my XXXX credit card account ending in XXXX was under the impression that it does not belong to me. This statement is entirely inaccurate and baseless. I am the verified owner of this account, and I have documented statements and identification to support this fact. 
I currently have XXXX XXXX credit card accounts : Account ending in XXXX Credit Limit : {$200.00} Account ending in XXXX Credit Limit : {$1000.00} While the account ending in XXXX is correctly reporting across all credit bureaus and visible on XXXX XXXX, the XXXX account remains missing from my TransUnion credit report, despite being accurately reported each month by XXXX. This omission directly impacts my creditworthiness and overall credit profile, constituting an FCRA violation due to inaccurate and incomplete reporting. 
I am demanding that TransUnion immediately investigate and correct this issue by ensuring that both of my credit card accountsending in XXXX and XXXX accurately reported and reflected in my credit file. 
If this matter is not resolved promptly and the correct information is not restored to my credit report, I will have no choice but to pursue a civil lawsuit in the courts of Virginia for noncompliance under the Fair Credit Reporting Act. 
Please provide written confirmation within 5 days that this matter has been resolved. 
Sincerely FEDERAL TRADE COMMISSION TRANSUNIONS REFUSING TO CORRECT MY 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 non-monetary relief
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
Checked my credit today, found several accounts that dnt belong to me. I have never gave anyone permission or authorization to open these accounts 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 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
I recently disputed this account from DIV ADJ SERV Collections An i proven that this account was opening with out my knowledge an the account was removed an months later the account was placed but on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Identity was stolen, someone opened phone lines and suchasked company to send original documents with my signature. They didnt. Company sold debt, and is harrasing me for debt not owed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: OR

Complaint narrative:
Company has cancelled my cash card do to what they say as violating the terms of service. I've asked for them to give me more information on it and they will not. 

XXXXXXXX XXXX XXXXXXXX XXXX Someone is using my identity as them self and altering all of my financial account and using them as their own, companies unwilling to even provide information on my ministry business account that has been accessed..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In XXXX, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation