vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Date : XX/XX/year> This CFPB complaint concerns unlawful collection and credit reporting by Credit Collection Services. 
The company reported a collection without providing required validation or notice. 
Violations include FDCPA 1692g and FCRA 1681. 
Relief requested : deletion of the collection account and cessation of collection activity. 
Consumer : XXXX XXXX XXXX CREDIT DISPUTE & DEBT VALIDATION LETTER ( FDCPA / FCRA ) Date : XX/XX/year> To Whom It May Concern, Subject : Dispute of Collection Account and Demand for Validation Collector : Credit Collection Services Alleged Original Creditor : XXXX XXXX XXXX I am writing to formally dispute the reporting and collection actions taken by Credit Collection Services regarding an alleged debt of {$160.00} claimed to be owed to XXXX XXXX XXXX. 

This collection account first appeared on my credit report with an open date of XX/XX/year>. I did not receive any written notice, debt validation, or correspondence from Credit Collection Services prior to this account being reported as a derogatory collection. I became aware of this alleged debt only after reviewing my credit report. 

To date, I have not been provided with the written disclosures and validation required under 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act ( FDCPA ). Reporting a collection account without first providing proper notice and validation constitutes a violation of federal law. 

Accordingly, I dispute this account in its entirety and request the following : FORMAL REQUEST FOR VALIDATION Please provide all of the following : A copy of the original signed agreement or contract bearing my signature with XXXX XXXX XXXX A complete payment history and itemization of the alleged balance Proof of Credit Collection Services legal authority to collect this debt Full chain of custody and assignment documentation showing ownership or assignment of the account The date of first delinquency reported to the credit bureaus Until proper validation is provided, you are required by law to cease all collection activity, including credit reporting. 



NOTICE OF CREDIT BUREAU DISPUTE This account is being formally disputed with all consumer reporting agencies pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). If you can not substantiate this debt with competent evidence, you must immediately delete the collection account from all credit reports to which it has been furnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: DE

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-28 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: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am submitting this complaint because a student loan account is being inaccurately reported on my credit report even though I am not the borrower or a co-signer on the loan. 

The student loan was taken out solely in my spouses name. I never signed a promissory note, did not co-sign, and have no legal responsibility for this debt. However, despite this, the account has appeared on my credit report following servicing by XXXX and subsequent transfer to SoFi. 

At various times, I made payments toward this loan on behalf of my spouse from my personal bank account. These payments were made voluntarily and do not create borrower or co-signer liability. I never agreed, in writing or otherwise, to assume responsibility for the loan. 

The continued reporting of this account under my credit profile is inaccurate and misleading. I have taken steps to review my credit reports and dispute this reporting because it does not belong to me and negatively affects my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: PA

Complaint narrative:
Company : XXXX XXXX Product : Debt collection / billing dispute Complaint Description / Timeline : XX/XX/XXXX : Canceled XXXX service and received an email confirming requested changes Email confirmed my requested changes but did not explicitly state cancellation was processed. 

XXXX : Called XXXX regarding the generated bill. During this call, a customer service representative informed me that any additional charges would be returned. XXXX records incorrectly show the cancellation date as XX/XX/XXXX. I do not have an official record of this call. 

XX/XX/XXXX : XXXX charged my account for the period XXXX. 

XX/XX/XXXX : Returned the router, making it impossible to use the service for most of the billed period. 


XX/XX/XXXX : Text conversation with XXXX regarding charges. Filed a bank dispute the same day. The bank approved the reversal in my favor. 

Durring XX/XX/XXXX text conversation, I made a Request for records/ transcripts of customer service conversations regarding billing and prorated charges. XXXX refused and instructed me to take screenshots of the chat for my reference, providing a chat ID. I was told a supervisor had the same tools but refused to connect me, and that there was no written form to dispute chargesall disputes had to be handled via phone. 

XX/XX/XXXX : XXXX billed my account again, including a {$30.00} returned-payment fee and a bill for an overdue balance. 

Referral to collections : XXXX subsequently referred the account to MRS BPO , LLC, despite the ongoing dispute and successful bank reversal. 

Charging for service after cancellation, applying fees after a successful dispute, and sending a disputed balance to collections constitute unfair billing and collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX I noticed a ton of micro and big transactions on my account. I immediately contacted support to see if I could get my money back. They said the transactions had to not be pending in order for me to dispute some of the big ones. But they allowed me to dispute a few of the small transactions and said they were going to investigate. I sent in ample information confirming those transactions werent from me. They were sent to people Ive never seen or heard of and my my account was clearly ( and proved ) to be accessed by someone 3-4 hours away from me. My email was changed, my phone number was changed as well. I had to verify my identity and my disputes were denied not even a day later. XX/XX/XXXX at XXXX XXXX  2 charges for {$1.00} and {$1.00} pulled, at XXXX {$1.00} was pulled at XXXX {$1.00} was pulled. At XXXXXXXX XXXX {$250.00} was transferred to a stranger by the name of XXXX XXXX At XXXX XXXX an amount of {$940.00} was charged to something called XXXX XXXX the micro transactions were also charged to XXXX XXXX. At XXXX XXXX a transfer to XXXX XXXX for {$490.00}. At XXXX XXXX {$430.00} was taken out in something called My repayment fees None of these transfers or transactions were of my consent and none of them were investigated or retuned to me. 

There was proof that someone had been in my account. The password had been changed, the email had been changed and so had the phone number. On the security side of it there is proof of someone signing in with an XXXX XXXX, on a browser called Unknown XXXX  both XXXX XXXX Texas, and XXXX XXXX in XXXX  Texas XXXX I am in XXXX Texas nowhere near anyone of those cities and unless I can time travel it is impossible for me to be in two places at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-12-28 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I am submitting this complaint to formally dispute several inquiries that are appearing on my XXXX  credit report. I am a consumer actively reviewing my credit file for accuracy, and after careful review, I do not recognize, recall authorizing, or have any documentation supporting these inquiries. 

The following inquiries are being disputed : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I did not provide written or verbal authorization for these entities to access my consumer credit report. If these inquiries were made in error, under false pretenses, or without my permissible purpose, they are inaccurate and should not be reported. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information reported is accurate, complete, and verifiable. XXXX  must be able to provide proof of permissible purpose for each inquiry listed above. If XXXX  or the reporting parties can not provide such proof, these inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-12-28 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 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 There are no charged-off accounts listed for dispute under TransUnion at this time. 

Inquiries XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> I do not recognize or recall authorizing these inquiries. Please verify that they were made with a permissible purpose and my consent. 

Late Payments XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : 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 2025-12-28 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:
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
Consumer complaint received 2025-12-28 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:
XXXX XXXX  XXXX a medical debt not mine not validated added onto my credit report, this is my debt and also a medical debt please remove this debt immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
XXXX XXXX  XXXX a medical debt not mine not validated added onto my credit report, this is my debt and also a medical debt please remove this debt immediately

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 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Bank is refusing to refund fee on my account i have so much fees I think there is a note on my account to denied me fee that was left by a XXXX that sarcastically ask me if i woud like to lift the overdraft protection and I said to her why would i want her to do that due to me calling to vaive fees and was denied

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute inaccurate and incomplete information appearing on my Equifax credit report. Pursuant to the Fair Credit Reporting Act, Equifax must verify and report only accurate information. The items listed below contain discrepancies and should be corrected or deleted. 

Charged-Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$0.00} ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, balance {$2100.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXXXXXX balance {$3000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, balance {$240.00} ) Several of these accounts are reporting XXXX balances while remaining charged off, and some are duplicated across bureaus with inconsistent dates. This reporting is incomplete and misleading. 

Inquiries XXXX XXXX XXXXXX/XX/XXXX I am requesting verification of authorization and permissible purpose for this inquiry. 

Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-28 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: HI

Complaint narrative:
I am submitting this complaint as a consumer who is actively reviewing my Equifax credit report and disputing inaccurate, incomplete, and unverifiable information. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to ensure that all information reported is accurate, complete, and properly verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting as charged off despite showing a XXXX balance. Equifax has failed to provide proper verification or documentation proving the accuracy of the charge-off status. Reporting a charge-off with a XXXX balance is misleading and materially inaccurate. 

Late Payment in Dispute XXXX  Account XXXX. XXXX This account is reporting late payment information that I dispute. I have not been provided with payment history or documentation validating the alleged late payments. Without proper verification, this reporting is inaccurate and harmful.

Company response to consumer: Closed with non-monetary relief