vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
I am requesting the immediate and permanent deletion of the fraudulent accounts and unauthorized hard inquiries listed below, all of which are the result of identity theft : Fraudulent Accounts : XXXX XXXX  ( Account # : XXXX ) XXXX ( Account # : XXXX ) Unauthorized Inquiries : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX ( XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> As required by the Fair Credit Reporting Act ( FCRA ) under 1681c2, these items must be blocked within 4 business days of receiving my documentation, which has already been submitted and includes my FTC Identity Theft Report, valid government-issued ID, Social Security card , and proof of address.

I am requesting the following actions : Permanently delete and block all of the above-listed accounts and inquiries from my credit report. 

Send written confirmation verifying that these items were removed. 

Provide a clean and updated credit report reflecting these changes.

If you do not comply, I will proceed with filing formal complaints with the CFPB, FTC, XXXX, and both state Attorneys General, and reserve the right to take legal action under FCRA 616, which allows for statutory damages and attorneys fees.

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 2025-07-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I ordered a XXXX XXXX from XXXX which was supposed to be delivered on the XXXX it never got delivered XXXX refused refund I opened a dispute and theres been little to no correspondence as well as no provisional credit issued

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, and several debt collectors who have improperly used uncertified credit data to make determinations about my financial standing and creditworthiness.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported must be accurate and verifiable. However, these agencies compile and report data that is not certified, not verified under oath, and has not been consented to by me in writing, violating 15 U.S.C. 1681b ( f ) and 1681e ( b ).

Debt collectors involved have reported unverified and potentially fraudulent accounts, violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e by using deceptive practices to collect or influence credit scoring.

I have not given any written authorization for these entities to share or report my personal information. I demand a full investigation into their practices, removal of any unverifiable or unauthorized information, and enforcement actions as needed.

This complaint is also a formal request for reconsideration of all credit-based decisions made using this uncertified data, which fails to meet due process standards.

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 2025-07-24 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: Self Financial Inc.
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and several debt collectors who have improperly used uncertified credit data to make determinations about my financial standing and creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., all information reported must be accurate and verifiable. However, these agencies compile and report data that is not certified, not verified under oath, and has not been consented to by me in writing, violating 15 U.S.C. 1681b ( f ) and 1681e ( b ). Debt collectors involved have reported unverified and potentially fraudulent accounts, violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e by using deceptive practices to collect or influence credit scoring.

I have not given any written authorization for these entities to share or report my personal information. I demand a full investigation into their practices, removal of any unverifiable or unauthorized information,

and enforcement actions as needed. This complaint is also a formal request for reconsideration of all credit-based decisions made using this uncertified data, which fails to meet due process standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was in XXXX for vacation and I recived an email from hsbc regarding fraud for XXXX XXXX XXXX  resturant charges, I called them right a way I told them I didn't use the card they closed the card after further investigation they told me how the person using physical card you have and they are using it with your pin I told them I don't know and they didn't belive my case and they deny my claims total transaction for the claims XXXX, what should I do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  is continuing to attempt to collect an alleged debt on behalf of Citibank, N.A., despite the fact that the debt remains unverified. Multiple written requests have been made for validation of the debt to Citibank and the business records upon which they rely, but no adequate response has been provided.

Compounding the confusion, at least three separate collection firms including XXXX XXXX, XXXX XXXX, and XXXX & XXXX have each attempted to collect this same alleged debt. There has been no clear identification of the current creditor, no accounting reconciliation, and no explanation of what is owed to whom. This has created a situation of ongoing ambiguity, conflicting claims, and potential double collection activity in violation of federal consumer protection laws.

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Five wire transfers, which were not intentionally or knowingly authorized by me but were allegedly traced to my mobile device, were completed from my bank account. I am concerned that there was a breach of account security because I logged into my banking account on unsecured wifi at XXXX XXXX XXXX. On XX/XX/XXXX, a transfer of {$2000.00} was completed ; on XX/XX/XXXX, a transfer of {$5000.00} was completed ; on XX/XX/XXXX, a transfer of {$5000.00} was completed ; on XX/XX/XXXX, a transfer of {$10000.00} was completed ; finally, on XX/XX/XXXX, a transfer of {$10000.00} was completed. I reported these fraudulent transactions to Chase Bank, and according to their investigation, these wires were either completed or authorized by me, and they have denied repeated claims to the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that does not meet the legal standard of maximum possible accuracy. These errors are causing ongoing and serious harm to my financial standing and overall well-being.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15usc 1611 Experian Transunion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
Your company is reporting inaccurate, obsolete, erroneous, and misleading items on my credit report that have caused me much stress, mental anguish, and economic harm. 
This has caused injury to me as I am unable to obtain credit solely because of the failures you have caused because you have not followed proper procedures to make sure that everything on my consumer report is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute and demand removal of multiple accounts and collections reporting inaccurately on my TransUnion credit report. These accounts are either unauthorized, fraudulent, unverified, or reported in violation of federal laws. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and referencing enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against credit bureaus. XXXX. XXXX XXXX XXXX - Opened : XX/XX/XXXX | Balance : {$650.00} - Reason : Unauthorized collection ; no signed documentation or original billing records.

- Law Codes : 15 U.S.C. 1692g ( b ) ; 1681s-2 ( b ) ; CFPB v. Portfolio Recovery Associates ( Enforcement Action ) XXXX XXXX XXXX XXXX - Opened : XX/XX/XXXX | Balance : {$1600.00} - Reason : Unverified third-party collection ; no contractual obligation ; possible ID theft.

- Law Codes : 15 U.S.C. 1681e ( b ) ; 1692g ( b ) ; 15 U.S.C. 1681i XXXX. XXXX XXXX ( Multiple Listings ) - Closed : XXXX XXXX, XXXX & XX/XX/XXXX | 10 & 7 missed payments - Reason : Duplicate and excessive derogatory data reported ; requires strict verification.

- Law Codes : 15 U.S.C. 1681c ; 1681e ( b ) ; CFPB v. Capital One ( 2012 consent order ) XXXX. XXXX XXXX ( Multiple Listings ) - Closed : XX/XX/XXXX & XX/XX/XXXX | 7 & 5 missed payments - Reason : Repetitive charge-off behavior ; no evidence of consent or validation.

- Law Codes : 15 U.S.C. 1692g ( b ) ; 1681s-2 ( b ) ; CFPB Action on XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX Closed : XXXX | Multiple missed payments - Reason : Unauthorized or fraudulent activity ; no direct consent or verification.

- Law Codes : 15 U.S.C. 1681c ( a ) ; 1681e ( b ) ; 1681i ; CFPB Consent Orders

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 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file.

This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter.

I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file.

This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 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:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data, In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my second filing a formal complaint regarding the unauthorized accounts being reported on my credit file. I previously contacted your office on XX/XX/XXXX to dispute the following items, and I have not received adequate validation or proof of permissible purpose under federal law.

Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer reporting agency may not furnish a consumer report to any person without a permissible purpose as defined by the statute. Any access to my credit file without such a purpose is a violation of federal law, and any account or inquiry furnished to you without my authorization or consent must be immediately removed. 
The items in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$30000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief