vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NC

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 2025-11-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
RE : XXXX XXXX XXXX, XXXX, MA, XXXX I am alleging that the mortgage documents used to foreclose on my property do not contain my authentic signature. I believe my signature was forged.

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 2025-11-10 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: AL

Complaint narrative:
I am disputing several items on my Equifax report that appear inaccurate, incomplete, or unverified. I am requesting a full and proper reinvestigation. If the furnishers can not provide complete proof and documentation supporting the accuracy of the information, I am requesting the immediate correction or removal of the items listed below.

CHARGED-OFF ACCOUNTS ( EQ ) These accounts are reporting information that I do not believe is fully accurate or verified. Please validate the data or remove if unverifiable : US DEPT ED Acct : XXXX | XX/XX/XXXX | {$0.00} XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX  {$1600.00} XXXX Acct : XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Acct : XXXX | XX/XX/XXXX | {$990.00} XXXX  Acct : XXXX | XX/XX/XXXX | {$1800.00} XXXX  XXXX Acct : XXXX | XX/XX/XXXX | {$4500.00} LATE PAYMENTS ( EQ ) The following late payments appear questionable and inconsistent. If Equifax or the furnishers can not provide proper proof and full documentation, I am requesting deletion : XXXX XXXX  Acct : XXXXXXXX XXXX XXXX Acct : 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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Greetings, In this letter, I would like to request that the following late payment be removed from my copy of the credit report. There is a mistake in the billing. On this particular payment, I was never late. Because my account is set up to pay automatically, I have never missed a payment.

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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2025-11-10 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: KS

Complaint narrative:
I am disputing the following accounts appearing on my TransUnion report. I am requesting validation and correction/removal if the information can not be verified as accurate.

Charged Off Accounts in Dispute : XXXXXXXX XXXX XXXXXXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$39000.00}

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 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence, XXXX. XXXX XXXX and XXXX collections both have tried to collect a debt from XXXX XXXX XXXX that was from a fraudulent purchase of a cell phone and XXXX contract. I did report this to you and Florida States Attorney, all three credit bureaus, XXXX, XXXX, and the local sheriff 's dept. in XXXX of XXXX. XXXX XXXX XXXX also was contacted and they gave me their fraud dept, and then nothing but we are working on it. The total is {$1400.00} that is trying to be collected. All three credit bureaus found that it was indeed fraud. They adjusted my credit score at that time, but these debt XXXX don't want to send me proof of their purchase nor that this is my debt. I do have freezes on my credit and fraud alerts as XXXX other companies alerted me to fraud attempt. XXXX XXXX, XXXX XXXX Bank. XXXX, and XXXX XXXX XXXX with XXXX more credit cards trying to be opened. Please help stop XXXX XXXX XXXX or find who is committing fraud within their company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MO

Complaint narrative:
OXXXX XXXX XXXX XXXXXX/XX/year>, Chime removed {$52.00} from my paycheck claiming it was a payback on a past XXXX XXXX. I have not use XXXX since last year, and any previous balance was fully paid. A few months ago, they also removed {$30.00} from my account without authorization. 

Chime refuses to show any record or documentation proving I owe them this money. This is an unauthorized electronic transfer that violates Regulation E ( 12 CFR 1005 ). I am requesting a full refund of the {$52.00} taken, proof of any alleged debt, and confirmation that no further unauthorized deductions will be made.

I contacted Chime support and asked for a reinvestigation, but they have not resolved the issue. I want CFPB to review this and ensure Chime complies with Regulation E by providing proper documentation and returning my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a completely accurate credit report. I am requesting that these accounts be reviewed, and if their accuracy can not be verified, they should be deleted from my report.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Good day, I would like for this account to be deleted by XXXX because I have been fighting against different accounts that are fraudulent and incorrect. I also cited a Federal Trade Commission in my earlier dispute. The struggle against this account will come to an end at this point.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 2025-11-10 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:
My credit report shows collection accounts that I believe include inaccurate information. Under XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to a completely accurate credit report. I am requesting that these accounts be reviewed, and if their accuracy can not be verified, they should be deleted from my report.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian continues to report a child support account from XXXXXXXX XXXX Department of Child Support Services on my credit report without proper verification or permissible purpose, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

I have disputed this account multiple times with Experian, and each time it is marked verified without any evidence being provided to me showing my written authorization or legal agreement allowing this agency to report to Experian. I have never signed or authorized any document permitting XXXX XXXX or any related agency to report this information to credit bureaus. 

Additionally, this child support obligation is currently being paid through automatic wage garnishment from my paycheck. Because payments are made through state enforcement and not through any voluntary credit agreement or consumer authorization, there is no permissible purpose for this account to be included in my credit file under 15 U.S.C. 1681b. 

I am requesting that Experian and XXXX XXXX Department of Child Support Services provide full verification of authorization to report, including any signed documentation, or immediately delete this account from my credit report in compliance with federal law. 

I have attached a screenshot of my credit report showing the entry in question and proof of wage garnishment.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit report requires immediate attention due to several inaccuracies.

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 2025-11-10 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: GA

Complaint narrative:
My credit report requires immediate attention due to several inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I made an error and applied for XXXX refinance loans with SoFi. This caused nearly {$72000.00} in overpayments to XXXX. XXXX has returned the overpayments to SoFi. SoFi has been unable to account for these funds.

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: TN

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 response to consumer: Closed with non-monetary relief
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: TN

Complaint narrative:
To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby demand that United States Bankruptcy XXXX for the XXXX XXXX XXXX XXXX immediately cease all communication with me regarding the above-referenced account. 

I revoke any and all prior consent, if given, to be contacted by telephone, mail, email, or any other means. The only exceptions permitted under the law are to advise me that your collection efforts are being terminated, or to notify me that you may invoke specific remedies that are ordinarily invoked by your company.

Please note that any further communication from United States Bankruptcy Court for the XXXX XXXX of XXXX, other than those exceptions outlined in the FDCPA, will constitute a violation of federal law and may result in legal action being taken against your company. 

This letter is being sent to you via CFPB to document your receipt and my compliance with the law. 

Sincerely, 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), I hereby demand that United States Bankruptcy XXXX for the XXXX XXXX XXXX XXXX immediately cease all communication with me regarding the above-referenced account. 

I revoke any and all prior consent, if given, to be contacted by telephone, mail, email, or any other means. The only exceptions permitted under the law are to advise me that your collection efforts are being terminated, or to notify me that you may invoke specific remedies that are ordinarily invoked by your company.

Please note that any further communication from United States Bankruptcy Court for the XXXX XXXX of XXXX, other than those exceptions outlined in the FDCPA, will constitute a violation of federal law and may result in legal action being taken against your company. 

This letter is being sent to you via CFPB to document your receipt and my compliance with the law. 

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 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
I am writing to report a fraudulent collections account that has been placed on my credit report by XXXX, through Diversified Adjustment Services. This account is based on a claim that I failed to return a modem, not ever missing any bills ; however, I have clear documentation proving that the modem was shipped back and received. 

In the months after I was contacted by XXXX about the modem and submitted proof of my XXXX tracking ID and their outsourced technician said it would be removed from my account. Then they fraudulently filed this with Diversified, who's own website allows you to file a dispute with them, but only in the hopes you do not send them anything certified in the 30 days, which I will. I will take these companies to court before I pay a false debt that I have multiple pieces of proof sending back. 

I returned the modem as required, and I have both a XXXX shipping receipt and a receipt from the XXXX store confirming the return. Despite providing this evidence, XXXX and Diversified Adjustment Services have continued to report this as an outstanding debt, negatively impacting my credit. 

I request that the CFPB investigate this matter and ensure that the fraudulent account is removed from my credit report. I have attached copies of my XXXX shipping receipt and XXXX store receipt for your review. It was shipped in XXXX, I even have a receipt from them. It was only sent 1 state away, and I believe XXXX is engaging in deceptive practices damaging peoples credit when they've taken the exact steps asked to return their modem. I even packaged it up and tracking ID is attached. 

Please do not let XXXX or Diversified Adjustment fraudulently take down peoples credit scores like mine who have done everything right, only to get their score hit. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Paypal Holdings, Inc
State: MA

Complaint narrative:
Refer to attach letter I sent you on XX/XX/XXXX. 

On XX/XX/XXXX neither XXXX XXXX XXXX XXXX responded in the legal time frame allowed. I will be filing a civil lawsuit in district court and adding 7 more Regulation E violations because they denied two charges that were unauthorized and did not extend their investigation, and also because I disputed a similar transaction I found from XX/XX/XXXX from a XXXX gas station, but it was a XXXX, and I didnt think it was foreign. I filed that on XX/XX/XXXX and they refunded it XX/XX/XXXX, showing they were capable of refunding a foreign transaction without issue and were only doing it for those because the amount was higher.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Check that all accounts under dispute are resolved and deleted as the law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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. Attached are the supporting documents for my claim.

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

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a completely accurate credit report. I am requesting that these accounts be reviewed, and if their accuracy can not be verified, they should be deleted from my 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