vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-03-21 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: GA

Complaint narrative:
I am requesting your help to investigate accounts where companies have mistakenly reported late payments. Upon reviewing my credit report, I found errors on specific accounts showing late payments that should not be there. These accounts should not have any late remarks. Please remove these errors and update them to reflect a positive status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-03-21 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: AL

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment ( TransUnionXXXX ) XXXX XXXX XXXX Account # : XXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-21 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 request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization.

the Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting in a compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to formally dispute the alleged debt that your company, XXXX XXXX XXXX, is attempting to collect. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), I am requesting that you provide full validation of this debt Furthermore, as per 15 U.S.C. 1692e, any attempt to collect a debt without proper verification may be considered a violation of federal law, and I am prepared to escalate this matter if necessary. 
If you can not provide the requested validation, I expect this debt to be removed from any reporting bureaus and for you to cease further collection attempts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
There was a credit inquiry with out my consent. Suspect identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute unauthorized hard inquiries on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I did not authorize the following inquiries and demand their immediate removal : 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 XXXXXX/XX/XXXX Under 15 U.S.C. 1681b, a hard inquiry is only permissible with my explicit authorization. If you can not provide verifiable proof of my consent, per 15 U.S.C. 1681i, you must delete these inquiries from my report 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries I am writing to formally dispute unauthorized hard inquiries on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). I did not authorize the following inquiries and demand their immediate removal : 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 XXXXXX/XX/XXXX Under 15 U.S.C. 1681b, a hard inquiry is only permissible with my explicit authorization. If you can not provide verifiable proof of my consent, per 15 U.S.C. 1681i, you must delete these inquiries from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : Inaccurate TransUnion Charge Off XXXX - Account # : XXXX - Balance : {$780.00} XXXX XXXX Account # : XXXX - Balance : {$0.00} XXXX XXXX Account # : XXXX - Balance : {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.

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 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX XXXX files a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX, XXXX. and Social Finance , Inc. ( SoFi ) for ongoing violations of the FDCPA, FCRA, Californias RFDCPA, CCPA, and the GLBA. XXXX attempts to collect an alleged debt ( File ID : XXXX ) without providing legally required validation, despite XXXX sending multiple certified mail requests dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of XX/XX/XXXX, XXXX calendar days have passed since the initial validation request, and XXXX continues collection efforts and credit reporting in direct violation of federal and state law. On XX/XX/XXXX, XXXX mails XXXX a debt collection packet that includes private financial information for an unrelated third party, XXXX XXXX his full name, address, date of birth, account number, and a {$16000.00} balance. XXXX repeatedly requests an investigation and remedy, but XXXX refuses to acknowledge the privacy breach, violating provisions of the FDCPA, CCPA, and GLBA. Meanwhile, SoFi continues furnishing the unvalidated debt to XXXX and other credit bureaus despite multiple formal disputesviolating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits reporting information that is disputed or unverified. XXXX also highlights improper service in a related XXXX XXXX XXXX XXXX case ( No. XXXX ), where XXXX and SoFi serve legal documents to a XXXX. He sees this as part of a larger pattern of misconduct and refers to legal precedents like Sessa v. TransUnion and Spokeo v. Robins to support his claims. On XX/XX/XXXX, XXXX sends a final demand letter asking for closure of the debt, a halt to all collection and litigation efforts, written confirmation that the account wont be transferred or resold, permanent removal of all credit reporting, and a detailed response addressing the privacy breach. XXXX and SoFi ignore the demands. XXXX estimates over {$9800.00} in damagesincluding over 45 hours spent on legal research and correspondence, missed mortgage refinancing due to negative credit reporting, higher auto loan interest, and reputational harm. He urges the CFPB to take immediate regulatory enforcement action, refer the case to the California Attorney General and DFPI, and pursue civil penalties. He also requests bar review of the attorneys involved and injunctive relief to stop ongoing violations. XXXX holds XXXX, SoFi, and XXXX accountable for knowingly and repeatedly breaking the law while refusing to resolve the harm they cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XXXX XXXX I received a text message from Barclays about transaction code while I was at work. I immediately noticed something must going wrong in my credit card because I didnt use it that day, first I checked my account realized there were 2 unauthorized transactions total over {$7000.00}, first one : XX/XX/XXXX {$4300.00} ( I didnt know it until XX/XX/XXXX ) and second transaction : XX/XX/XXXX {$3100.00} they both came from XXXXXXXX XXXX XXXX XXXX XXXX 
I was really shocking and worried, I immediately call the number behind the credit card company and let them know those are fraud charges and cancel them and cancel my credit card. I thought thing is over by that, but two month later on XX/XX/year> Barclays put these amount to my credit card account said after investigation those transaction are valid. I dont agree with it and I request the report, I never shop at XXXX XXXX ever online or in store, also those charge already way over my credit limit. Barclays failed to protect the card holder even I already reported to them those fraud charges, they still billed me and add up the late fee and interest, also hurt my credit score. This company is lack of support to help the victims. I truly wish government or Federal agencies should step in and check it out this whole company itself its a fraud, they transferred to so many different people on the phone, but not helping you. I feel helpless and hopeless. It ruined my life now.

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 2025-03-21 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: GA

Complaint narrative:
Please take action to remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize them and do not recognize their origins. As per USC 1681g, I am requesting their removal within 15 days. The necessary documents are attached for review. Furthermore, there are discrepancies in the account details, as different information is being reported to each bureau.

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am ling a complaint against Experian for reporting inaccurate addresses on my credit report that do not belong to me. The following incorrect addresses have been listed : XXXX XXXX XXXX XXXX, NJ XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These addresses are not mine and must be removed immediately. My correct address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX, and Experian must reect only the address that matches my Driver 's License ( DL ) and Utility Bill as proof of my address or serve as proof of my correct address. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), Experian is legally required to maintain the maximum possible accuracy in consumer reports. Failure to comply is a violation of my rights. Additionally, under 15 U.S.C. 1681n, I have the right to seek damages of up to {$1000.00} per violation for willful noncompliance. I demand immediate corrections and written conrmation of these updates.

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 2025-03-21 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: PA

Complaint narrative:
I Am writing to delete the following information in my file. The items I need deleted are listed in the report. I Am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Affidavit. Please delete these items as soon as possible

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 2025-03-21 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I recently submitted a report via email to dispute inaccurate information from the credit bureau regarding my credit card statement. Despite my request for further investigation, the company has failed to take action. I kindly request your immediate attention to resolve this issue. Additionally, I would appreciate a confirmation receipt for my records.

Company response to consumer: Closed with non-monetary relief