vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I have disputed the accuracy and legality of several negative accounts listed on credit profile. Each either misrepresents my payment history, has no validation, or is being re-aged in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Repeated charge-off updates Re-aging / inaccurate monthly reporting FCRA XXXX XXXX a ) ( XXXX ) ( A ) Collections without validation No written notice within XXXX  days FDCPA XXXX Accounts older than 7 years Reporting beyond legal period FCRA XXXX ( a ) Hard inquiries you didnt authorize Lack of permissible purpose FCRA XXXX ( a ) ( XXXX ) Paid collections still showing open Failure to update status FCRA XXXX ( a ) XXXX  v. XXXX, XXXX U.S. XXXX XXXX XXXX ) reinforces consumers right to accurate reporting. 

XXXX XXXX. Co. v. XXXX, XXXX U.S. XXXX ( XXXX ) willful non-compliance with FCRA exposes furnishers to liability.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
This debt collector is stressing me out and i need help really bad. They have done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately because this collection is hindering my ability to purchase a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
They call every day - I now have their calls silenced. They keep asking for someone who is not at this # and won't tell me what it is about because I am not them. Since it is not my debt ( apparently ) I asked them to stop calling me but they continue to call me even though they have the wrong #. I have had this # for over 30 years so it isn't like someone had this number before me. I consider this harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: OH

Complaint narrative:
XXXX Accounts : XXXX, Account # XXXX, Reported XX/XX/year>, XXXX {$1700.00} This account appears to be inaccurately reported or unverifiable. I request that TransUnion confirm the accuracy of all data being reported and provide documentation from the furnisher showing my responsibility for this account. If it can not be verified, please remove it from my credit report. 

Inquiries : XXXX XXXX XXXX, dated XX/XX/year> I do not recognize or recall giving permission for this inquiry. Please confirm that it was properly authorized and associated with a valid credit application, or remove it if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-11-03 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: TX

Complaint narrative:
I am disputing the following items on my credit report. Please review and correct them in accordance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report. 

CHARGED OFF ACCOUNTS XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Late Payment Reported XXXX XXXX XXXXXXXX, Account Number : XXXX, Date : XX/XX/XXXX, Late Payment Reported

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I am formally submitting a complaint against Cavalry Portfolio Services LLC regarding the handling of my debt account.

Cavalry Portfolio Services LLC has breached the terms of my consumer agreement ( Breach of Contract ), including the arbitration clause and other contractual obligations, by failing to follow the required procedures and preventing the XXXX from administering the arbitration as agreed. 

Additionally, their actions constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) due to improper debt collection practices that have caused me significant stress, emotional harm, and financial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
" SoFi Bank refuses to promptly initiate Reg E investigation or provide provisional credit for {$760.00} in unauthorized XXXX XXXX charges since my XX/XX/XXXX noticerevocations via, calls, chats ignored. Charges : Aug XXXX XXXX  ( {$25.00} ACH, denied ) ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX {$110.00} ( despite XX/XX/XXXX opt-out promise ). XXXX 's post-cancel fraud pattern + SoFi 's failures = negligence. 
Violations ( Reg E/EFTA law , 15 U.S.C. 1693 ) : No 'prompt ' start on XXXX XXXX notices ( 1005.11 ( b ) ) delayed for 'posting. ' Provisional credit denied 'today ' ( XX/XX/XXXX chat att. ) ; must by end of XXXX biz day ( 1005.11 ( c ) ( 2 ) ( i ) ). Rep said 'federal regulations are not federal law ' & 'resolution will sadly not happen today'admits ignoring law, liability for {$5100.00} fines/violation. 
Delays caused XXXX XXXX XXXX  tomorrow ( XX/XX/XXXX, proof ready to email ). XX/XX/XXXX denial ignored historyreopen needed. Attachments ready : Chats ( rep admissions ), statements ( {$760.00} timeline ), revocations, denial, eviction notice. '' " 1. Force SoFi unified Reg E case TODAYcase # ; {$760.00} provisional credit IMMEDIATELY ( hardship 1005.11 ( c ) ( XXXX ) ). 
XXXX. Reopen XX/XX/XXXX denialdocs within 10 days ( 1005.11 ( d ) ).

3. {$400.00} goodwill for eviction/stress + fees waived.

4. Permanent PF block + new card.

5. Full resolutionwritten confirmation in 24 hours. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am writing to dispute the following accounts, which I believe are reported inaccurately. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$590.00XXXX XXXX XXXX ( XXXX ) - Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX ) - Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES XXXX XXXX  XXXX  Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX - Date Opened : XX/XX/XXXXXXXX XXXX  - Date Opened : XXXX XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  - Date Opened : XX/XX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX XXXXXXXX XXXX  - Date Opened XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX - Date Opened : XX/XX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
XX/XX/year> i called transunion and asked to be transfered to a manager, i had to ask more than twice, i was then transfered to a manager and i proceeding with stating that " my information was exposed during the equifax and transunion data breaches, this account information should be deleted based off law title 15 usc 605B and THE PRIVACY ACT, because i never gave permission to use my information, accounts XXXX XXXX amount {$5100.00} XXXX XXXXXXXX amount {$460.00} XXXX XXXXXXXX amount XXXX XXXX XXXX amount {$17000.00} XXXX XXXX XXXX XXXX {$4000.00} inquiry XXXX XXXX XXXX XXXX XXXX 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 2025-11-03 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: CA

Complaint narrative:
I am disputing the following charged-off accounts and late payments on my Equifax credit report : Charged Off Accounts : XXXX XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX XXXXXXXX : Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
I am deeply frustrated with how Zelle handled my recent dispute. After being a frequent user, I was shocked when both my bank and Zelle refused to properly look into a transaction I reported. They told me there was nothing they could do and that tracking the payment wasn't possible. 

Learning about the CFPB 's lawsuit confirmed my fearsthis isn't an isolated incident. It appears Zelle has a pattern of neglecting its users and allowing scammers to operate freely. This complete lack of consumer protection is alarming, and I am deeply concerned that others will continue to lose their money without any recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

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 explanation
Consumer complaint received 2025-11-03 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: IL

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 2025-11-03 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: TX

Complaint narrative:
I am submitting this dispute to request a correction of inaccurate and incomplete information on my credit reports. These items have been identified as discrepancies and should be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, and my date of birth is XX/XX/scrub>XXXX XXXX XXXX  My identification number is XXXX. I currently reside at XXXX XXXX XXXX I, XXXX, CA XXXX. 
I am submitting this complaint regarding unauthorized transactions on my Chase Bank account. After discovering that my debit card had been used to withdraw money without my authorization, I promptly filed a fraud claim with Chase. The unauthorized transactions occurred between XX/XX/XXXX and XX/XX/XXXX, and were processed through XXXX XXXX. 
I want to emphasize that I have never used XXXX XXXX, nor have I ever added my debit card to an XXXX or any XXXX XXXX Despite this, my claim was denied by Chase, and the bank has refused to reimburse the stolen funds. 
I am requesting the CFPBs assistance in reviewing this matter and ensuring that I am reimbursed for the unauthorized withdrawals made without my knowledge or consent. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ID : XXXX DOB : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, a relative sent {$250.00} to me through Cash App. the money was sent to an account that i no longer have access. the company has failed to send the money back to my relative or help me regain access to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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