vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
On XX/XX/2025, Gurstel Law Firms process server left non-filed, simulated legal documents under my doormat, despite no lawsuit having been filed in any Minnesota court. As detailed in my attached written narrative and exhibits ( XXXX camera stills ), video footage proves no personal service occurred directly contradicting Gurstels sworn affidavit and prior CFPB response claiming I was served in person, that a woman answered the door, and that repeated knocks were made. The documents were deliberately formatted to mimic court-filed pleadings, in violation of the FDCPA, Minnesota collection laws, and professional conduct rules. 

The process server also examined the documents at my door, exposing debt-related information to unauthorized parties and making materially false statements in Gurstels CFPB response. These actions, along with privacy law violations, are fully documented in the attached evidence. 

It is imperative that CFPB review all attached materials in full and not accept a short, conclusory response from Gurstel Law Firm without thoroughly investigating these violations. 

Note : This complaint does not constitute an admission of liability or validity of the alleged debt. The statements above are provided solely to address the unlawful debt collection practices described.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I was contacted by a company that identified themselves as Unifin XXXX and said they were collecting a debt for XXXX XXXX XXXX. My current credit with XXXX XXXXXXXX is good, valid and paid up to date. I told the representative to not call me any more and to send the documents by USPS so I can have a physical copy. I never got these documents. Instead they emailed my personal information and these documents to an unsecure email. They also continue to calm me after I requested they not call me at all. XX/XX/XXXX at XXXX hours I got another call from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> I opened my first savings and checking account at SoFi bank because they advertise a high interest rate and I thought this would be a good place to keep my money. 
I opened the account with {$500.00}. that I transferred from another bank that I have used for 20 years. On the same day I decided to transfer the {$500.00}. back to my usual bank account because I read some negative comments about SoFi that are published on XXXX. 
When I attempted to transfer the money out of SoFi on XX/XX/XXXX SoFi put a restriction on my account and ever since then I do not have access to my {$500.00}. I have called SoFi two times on XX/XX/XXXX and XX/XX/XXXX and asking why SoFi restricted/ froze my account and what it would take to have access to my money. SoFi told me both times I called that there is a team that is reviewing my account and they will call me at some unspecified date in the future to discuss this, and there is nothing I can do to access my money until they call me. I do not trust SoFi and I want to transfer my {$500.00}. back to my usual bank and close my new SoFi account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
My information was exposed in the XXXX data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
I was put into a car loan with very very high interest rates because my previous lender XXXX XXXX XXXX said a representative accidentally put repossession on my last car which was a XXXX XXXXXXXXXXXX XXXX  which was actually a total loss. I had payment from insurance company and everything. So that lender messed up my credit and credit acceptance gave me a loan with extremely high interest rates with no way of completing the loan. It's like I was set of for failure by my lender.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 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: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/year> I request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Social Security Number ( Optional for Identity Verification

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 2025-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CORELOGIC INC
State: GA

Complaint narrative:
These items are inaccurate and/or can not be verified in accordance with 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving Notice additionally, under 15 U.S.C. 1681e ( b ), CoreLogic is required to follow reasonable procedures to ensure maximum possible accuracy

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want to file a complaint against XXXX transunion and XXXX  about the company world finance.They put a loan on my credit report that I never took with them and they acquired it from another company and I was never notified and there are inaccurate and inconsistent information on this account and I have requested a copy of the loan and payment history from the company several times and they say they will send it and never do.I have disputed this over and over with XXXX and asked them to verify the validity and accuracy of the account and when I dispute they just come back very quickly and say we verified when I am sure they didn't and I would like some proof from them on the verification

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 2025-08-14 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: CA

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 explanation
Consumer complaint received 2025-08-14 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: MS

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 2025-08-14 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: MS

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma is reporting outdated and inaccurate information from my TransUnion credit file. TransUnion has already deleted a collection account from my file, and the TransUnion app reflects this removal. However, Credit Karma continues to display the old data, which is negatively affecting my score and misleading lenders. 

I have contacted Credit Karma and requested that they refresh or re-pull my TransUnion data, but they have not corrected the issue in a timely manner. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must ensure the maximum possible accuracy of the information they provide to third parties ( 15 U.S.C. 1681e ( b ) ). By continuing to display outdated information, Credit Karma is failing to meet this requirement.

I am requesting that Credit Karma immediately refresh my TransUnion credit data to reflect the accurate and current report provided by TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/year> I request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Social Security Number ( Optional for Identity Verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/year> I request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Social Security Number ( Optional for Identity Verification

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 2025-08-14 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: MD

Complaint narrative:
I discovered some unauthorized hard inquiries on my credit from several companies. I did not apply for credit, nor did I authorize any of these companies access to my credit information. I have no exiting or past relationships with these companies. I have already contacted Experian and Transunion to dispute the inquiries with no resolution. I am requesting that these inquiries be removed from my credit report and that the CFPB investigate theses unauthorized access to my personal financial information. These inquiries are a direct violation of federal laws : FCRA $ 1681B ( c ), FCRA $ 1681i, UCC $ 3-501, UCC $ 1-308

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