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

Complaint narrative:
XXXX a dispute letter you can use for all three credit bureaus, with the details from your report included so you can point out the errors and request deletion. 

-- - * * \ [ Your Name ] * * \ [ Your Address ] \ [ City, XXXX, ZIP Code ] \ [ Date ] * * To : * * TransUnion LLC I am writing to formally dispute inaccurate and inconsistent information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is listed with the following details : Account XXXX : XXXX * * * * Creditor : XXXX XXXX. TransUnion lists the original balance as {$670.00}, while XXXX lists it as {$0.00}. 
XXXX. XXXX remarks state Purchased by another lender, while XXXX remarks state Charged off as bad debt. 
XXXX. This account shows a {$0.00} current balance on all reports, which suggests it is no longer collectible, yet it continues to be reported in a derogatory status. 
XXXX. The inconsistent and conflicting information between bureaus indicates that at least some of the data is unverifiable or inaccurate. 

Under the FCRA, only complete, accurate, and verifiable information XXXX be reported. Because of these discrepancies, I am requesting that this account be * * immediately investigated * * and * * deleted from my credit report * * if it can not be verified in full with accurate and consistent documentation. 

Please provide me with : * Documentation from the original creditor verifying the debt and its details. 
* The results of your investigation within the required XXXX period.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX regarding an alleged debt they are attempting in the amount {$2900.00}. I have never had a service account or authorized any service in the amount of {$2900.00}, nor have I received any written notification or validation of this alleged debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Despite never receiving any bills, notices, or communication from regarding this alleged debt, I recently became aware that XXXX XXXX has placed this account on my credit report and/or initiated collection efforts. This is deeply concerning as I have no knowledge of this account, never entered into any agreement, and have not been properly notified or given the opportunity to dispute or verify the debt. This collection activity XXXX constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX ) Attempting to collect a debt that is not owed XXXX ) Failing to provide written notice within XXXX days of initial contact as required by 15 U.S.C. 1692g ( a ) 3 ) Potentially reporting false or unverifiable information to consumer reporting agencies I respectfully request the following actions : XXXX ) An immediate investigation into this account. XXXX ) A copy of any and all documentation XXXX XXXX claims supports the validity of this debt. XXXX ) Immediate cessation of all collection activities until this matter is resolved and validated. XXXX ) Removal of any negative entries from my credit report related to this account if it has been reported. XXXX ) Written confirmation of the resolution of this matter. Please consider this a formal dispute of the alleged debt and a request for validation pursuant to the FDCPA. I also request a copy of your policies regarding consumer complaints and debt verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
I am filing this formal complaint against Navient Solutions , LLC for engaging in deceptive and unlawful practices in the handling of my student loan account, which has caused me significant financial, emotional, and familial harm. 



Background I am the borrower of a student loan originally serviced by Navient, with a current balance they claim is {$47000.00}. 
My account was charged off in XX/XX/XXXX and XX/XX/XXXX, yet Navient continued to demand and collect payments for years thereafter. 
Since at least early XXXX, Navient ( and/or its debt collection agent, XXXX XXXX XXXX XXXX XXXX required minimum monthly payments of {$100.00} to {$200.00}. 
I complied with these demands, making monthly payments accordingly, and I have evidence of these payments through my bank statements and payment confirmations. 



Violation and Deceptive Practice Despite requiring and receiving {$100.00} $ 200 monthly payments, XXXX official payment history falsely records many of these payments as only {$15.00} ( or other amounts far below the actual payment made ). 

This discrepancy appears repeatedly in their records for XXXX and XXXX, and represents : XXXX. Misrepresentation of payment amounts The recorded amount does not match the actual amount paid. 
XXXX. Misapplication of funds Navient has failed to apply the full payment amount toward principal reduction after charge-off, as required when no further interest is accruing. 
XXXX. Failure to maintain accurate account records This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Potential unjust enrichment By accepting full payments but crediting only a small fraction toward the account, Navient benefits financially while inflating my balance. 



Evidence I have : Bank statements showing payments of {$100.00} or {$200.00} each month in XXXX and XXXX. 
Navients transaction history, provided on XX/XX/XXXX, which records many of those payments as only {$15.00} or similar small amounts. 
Written communications from XXXX confirming XXXX minimum monthly payments of {$100.00} or {$200.00}. 



XXXX XXXX actions have : Prevented the accurate reduction of my loan balance. 
Resulted in ongoing negative credit reporting and multiple credit denials. 
Caused financial harm through the continued payment of funds not properly credited to my account. 
Caused emotional distress, family strain, and economic hardship due to ongoing financial pressure and damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I canceled XXXX insurance before it was renew sent them my new policy and they say I owe for XXXX month because I did not prove to them in a timely manner that I had insurance with another company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-08 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: NJ

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 non-monetary relief
Consumer complaint received 2025-08-07 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, Square placed a hold on my funds in the amount of {$3400.00}. These funds were derived entirely from personal transfers from my own accounts and payroll deposits, not from customer transactions. Therefore, there is no contractual or statutory basis for risk retention, nor is there any potential for chargebacks or reversals.

Square appears to be misapplying its merchant-processing reserve policy intended for credit card transaction risk to non-processing funds in my Square Checking account.

That same afternoon, I contacted Square to request : An explanation for my account deactivation.

A justification for applying a reserve hold to funds with no transactional risk.

A shorter release timeframe, given the nature of the funds.

Square provided no substantive information regarding the reason for deactivation, nor did they address the absence of risk or offer a shorter release period. 

Requested Resolution Immediate release of the {$3400.00} currently held, as the funds are not subject to any reasonable dispute or reversal risk under Squares stated policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
There are collection accounts listed on my report that I believe contain incorrect information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
My monthly interest rate has fluctuated every month, rarely below 30 % and as high as 100 % on several occasions. I would like to know why my payments are not being allocated to my principle with the indicated XXXX. I have paid over {$20000.00} on a {$17000.00} loan in 4 years ; I should not owe over {$7000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/2025, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal I submitted a XXXX dispute to TransUnion requesting that these accounts be fully investigated and removed XXXX not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I purchased a laptop and a backpack from XXXX, and the loan was processed through Affirm. I returned both items using the return label provided by XXXX. However, XXXX claims that the items were sent to the authorized seller, not directly to them. They said they would request the item from the seller but never confirmed receiving it. Despite the return, Affirm continues to charge me monthly payments. 

I used the return label and tracking number they gave me, and the package shows it was delivered. Yet they still insist the item is not returned and make me responsible for the payment. This is unfair and not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
Never had account with company but reported on credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXXXXXX $ XXXX XXXX $ XXXX XXXX XXXXXXXX - $ XXXX XXXX XXXX $ XXXX $ XXXX $ XXXX - $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX {$2000.00} XXXX XXXXXXXX $ XXXX XXXX XXXX XXXX XXXX BANK XXXX - $ XXXX BAN XXXX {$0.00} XXXX XX/XX/XXXX $ XXXX XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX SERVICE XXXX $ XXXX XXXX BANK XXXX XXXX $ XXXX XXXX BANK XXXX XXXX - $ XXXX XXXX BANK XXXX XXXX $ XXXX XXXX {$900.00} XXXX XXXX $ XXXX XXXX - $ XXXX XXXX CARD XXXX $ XXXX XXXX XXXX {$2400.00} ; fraudulent inquiries off of my report : XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK NA XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX BANK XXXX XX/XX/XXXX, XXXX XXXX XXXX SER XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX NA XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
Subject : Follow-Up to CFPB Complaint Unresolved Income Verification Issue Dear CFPB, I am submitting this follow-up to my previous complaint against SoFi ( Case # XXXX ) regarding their mishandling of income verification. While SoFi responded, the CFPB closed the case without giving me an opportunity to dispute their explanation.

SoFi disregarded XXXXRS-reported income from my 2XXXX XXXX XXXXng employment status rather than the validity of the income. They later claimed to use a proprietary two-year income averaging method, which was never disclosed or requested during the application process. No formal denial letter was issued with these details. 

I am requesting that this matter be reopened or reconsidered, as the issue remains unresolved and the response provided does not reflect transparency or fair evaluation.

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

Complaint narrative:
I am requesting that Equifax delete any and all inquiries listed below that can not be verified with documented proof of my authorization. 

GLOBAL LENDING SERVICING Inquiry Date : XX/XX/XXXX Type : Auto Financing XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Type : Auto Financing XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX Type : Auto Financing XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Automobile Dealers, Old XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Type : Automobile Dealers, Old XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XXXX & XXXX ( Retail Credit Card ) XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Type : XXXX & XXXX ( Retail Credit Card )

Company response to consumer: Closed with explanation