vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am filing a formal complaint regarding XXXX XXXX XXXX and several third-party debt XXXX. My credit reports dated XX/XX/XXXX, contain multiple items that are unverifiable, inaccurate, incomplete, or obsolete. These violations have caused significant harm to my consumer rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). 
Disputed Accounts & Violations XXXX. Portfolio Recovery Associates {$470.00} Missing original creditor. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ). 
XXXX XXXX {$1100.00} ( Opened XXXX ) More than XXXX XXXX XXXX ; obsolete. 
Violation : FCRA 605 ( a ) ( 5 ). 
XXXX. XXXX Severe lates from XXXX Negative payment history older than 7 years. 
Violation : FCRA 605 ( a ) ( 5 ). 
XXXX. Other Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Show inconsistent balances, missing contact info, and conflicting reporting across bureaus. 
Violations : FCRA 607 ( b ), FCRA 609 ( a ) ( 1 ). 
XXXX Requested XXXX CFPB enforcement action against the credit bureaus and debt XXXX listed. 
Permanent deletion of all accounts that can not be fully verified with complete and accurate documentation. 
Written confirmation of compliance within 30 days, per FCRA 611.

Legal Basis FCRA 605 ( a ) ( 5 ) : prohibits reporting accounts older than 7 years ( 10 years for bankruptcies ).

FCRA 607 ( b ) : requires bureaus to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : requires disclosure of the original creditors name and address.

FCRA 611 : requires reinvestigation of disputed items.

FDCPA 1692e, 1692g : prohibit misrepresentation of debt and require validation of disputed debts. 
These violations are clear, repeated, and harmful. I am requesting CFPB oversight to ensure permanent deletion of all unverifiable, inaccurate, incomplete, and obsolete accounts from my credit reports. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MO

Complaint narrative:
b'I am disputing XXXX  Bank accounts that appear on my credit report. These accounts were never properly validated.\n\XXXX  has failed to produce any signed contract or original agreement bearing my signature. In their XXXX XXXX XXXX letter, XXXX  admitted they only provided page 1 of an application while withholding the remaining pages as proprietary. No signature was provided. They also included billing statements, which are not proof of a valid debt.\n\nImportantly, XXXX already removed one of the disputed accounts (XXXX XXXX XXXX XXXX) from my credit report after determining it was unverifiable. This demonstrates that XXXX  acknowledges its inability to validate certain accounts.\n\nHowever, XXXX continues to report another unverified account (XXXX XXXX XXXX XXXX) as charged off with a balance of $XXXX to XXXX, Equifax, XXXX, and XXXX. This is inaccurate, inconsistent, and unverifiable.\n\nThis violates my rights under the Fair Credit Reporting Act (FCRA), which requires accurate and verifiable reporting, and under the Fair Debt Collection Practices Act (FDCPA), which requires debt validation upon request.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MO

Complaint narrative:
b'I am disputing XXXX  Bank accounts that appear on my credit report. These accounts were never properly validated.\n\XXXX has failed to produce any signed contract or original agreement bearing my signature. In their XXXX XXXX XXXX letter, XXXX  admitted they only provided page 1 of an application while withholding the remaining pages as proprietary. No signature was provided. They also included billing statements, which are not proof of a valid debt.\n\nImportantly, XXXX  already removed one of the disputed accounts XXXX XXXX XXXX XXXX from my credit report after determining it was unverifiable. This demonstrates that XXXX  acknowledges its inability to validate certain accounts.\n\nHowever, XXXX  continues to report another unverified account XXXX XXXX XXXX XXXX  as charged off with a balance of $XXXX to XXXX, XXXX, Experian, and XXXX. This is inaccurate, inconsistent, and unverifiable.\n\nThis violates my rights under the Fair Credit Reporting Act (FCRA), which requires accurate and verifiable reporting, and under the Fair Debt Collection Practices Act (FDCPA), which requires debt validation upon request.'

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$3600.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
The XXXX branch of XXXX XXXX  makes it feel like they are holding your own money hostage. I did the responsible thing and let them know several days in advance that I would be coming in on Thursday to withdraw a large sum of cash. Instead of honoring that simple request, I was told I had to speak with their one person who handles orderswho, of course, was too busy.

When I asked to speak to a manager, suddenly no one was available ( a recurring theme at this branch ). It feels like everything is done on their terms, not yourseven though its your money in your account. 

If you want better service, access to your funds without a runaround, and the ability to deal with professionals who value your time, take your money to a credit union instead.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom this may concern, I am writing to formally dispute several items on my credit report that I believe are the result of identity theft. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681c-2, I am requesting that you block the fraudulent information listed below from my credit report. 
Accounts to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and were opened or reported as a result of fraudulent activity. I did not authorize these accounts or transactions, and I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
Consumer Statement for Record TransUnion Data Breach & Dispute Validity On XX/XX/year>, a significant data breach occurred at TransUnion, which was discovered on XX/XX/year>. The breach involved unauthorized exposure of consumer information due to employee error, unsecured devices, or misconfigured cloud storage. This incident directly compromised the integrity, accuracy, and reliability of the consumer data maintained by TransUnion. 

On XX/XX/year>, I formally filed disputes with the credit bureau concerning the validity of certain inquiries and accounts being reported under my file. Despite the breach announcement confirming that consumer data had been placed at risk, my disputes were denied without meaningful reinvestigation. 

This denial undermines my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ), which requires that any disputed item be reinvestigated with objectively verifiable documentation. Given that the breach compromised XXXX ability to validate data with integrity, continued reporting of the disputed items is inherently unreliable and unlawful. 

I place this statement on record to note that : My disputes were submitted immediately after the breach disclosure ; The denial of my disputes ignored the compromised state of XXXX systems ; My data remains at risk, and continued reporting of these items violates the FCRAs mandate to ensure maximum possible accuracy. 

Accordingly, I renew my demand that TransUnion remove the disputed inquiries and accounts, and I request written confirmation of corrective actions. see attached letter

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Immediate Cease And Desist Validation And Legal Standing Demand To Whom It May Concern, This letter serves as a Formal Cease And Desist Demand your agency to Immediately Halt All Collection Activities and Communication regarding alleged debt associated with XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX Your agency is now on legal notice that I disputed the validity and legal enforceability of this alleged debt. I have reason to believe this debt may have been securitized, sold, or transferred. Therefore, I demand full documentation proving that your company has legal standing to collect or report these accounts Required Documentation To Prove Legal Standing 1. A copy of your most recent 10-k SEC filing showing how this debt was accounted for in your financial disclosures 2. The S-3 SEC filing , identifying whether this debt was included in a securitization trust 3. Full chain of title documentation, including all assignments, transfers, or sale of this debt associated with Legal Violations And Demand For Immediate Remedy Failure To Verify Legal Ownership- Violation Of TILA 15 u.s.c. 1641 ( g ), if the debt was sold, assigned, or transferred, the new owner was legally required to notify me within 30 days of the transfer False And Misleading Reporting Violation Of FCRA 15 u.s.c. 1681s-2 ( a ), debt collectors are prohibited from reporting inaccurate, unverifiable, or disputed information to credit bureaus. If your agency is reporting this debt without proper validation, it is a clear violation of the Fair Credit Reporting Act Securitization And Improper Reporting- Fraudulent Accounting Practices, if this debt has been securitized, charged-off, written-off as a loss, but is still being reported, your company is engaging in deceptive financial practices, violating FTC Act 15 u.s.c. 45 Continued Collection Efforts After Cease And Desist Violation Of FDCPA 15 u.s.c. 1692c ( c ), under federal law, once a written Cease And Desist request is received a debt collector must immediately stop all collection attempts. Outside of confirming compliance, will be considered harassment and a direct violation of federal consumer protection laws Final Warning-Legal Consequences Of Non-Compliance File formal complaint with Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for deceptive collection practices I expect a written response confirming your full compliance within 15 days of receipt of this notice 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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They calling for somebody else which has the same last name like mine but with a different first name, they keep doing it. I explained to them its not me, but they keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Account # XXXX They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccuratelv and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
At the end of XX/XX/year>, I authorized two home warranty payments of {$210.00} or a total of {$420.00} which was posted to my checking account at Sofi Bank on XXXX  XX/XX/year>. The insurance agent asked specifically if I wanted to make a final payment of {$210.00} and I said, No. But on XX/XX/year>, another payment of {$210.00} was made by Sofi to XXXX XXXX XXXX. 
When I saw this transaction on my account, XX/XX/XXXX, I called Sofi immediately and asked that this payment be reversed as I did not authorize it. I was told that day and for the next three days ( XXXX ) that the charge was pending and that they could do nothing until it was posted. When I saw that the payment was no longer pending and had been posted to my account today-XXXX  XXXX I immediately called Sofi to ask them to reverse this unauthorized payment. They told me they could only file a dispute claim and I would need to wait 15 days to hear back about a resolution. They stated it could take up to 90 days. 
I was sent a generic email from their resolution team with no dates of action to be taken re my " experience '' XXXX : Dear XXXX XXXX XXXX We hope this message finds you well, and we want to thank you for bringing your concerns to our attention. We understand the importance of your issue and truly appreciate the opportunity to make the situation right. 

SoFi is committed to improving our products and services, as well as delivering the best member experiences possible. Please know we sincerely value your feedback, as it plays a key role in our ongoing improvement efforts.

If you have any questions or require immediate assistance, please dont hesitate to contact us at XXXX, or chat with us via the SoFi mobile app. 

Thank you for being a SoFi member! 

Kind regards, SoFi XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Today, XX/XX/XXXX, I was filing a dispute with the Transunion department regarding a payment date I hadn't made. Before speaking with them, I contacted Capital One and asked about the XX/XX/XXXX, payment date, how it was made, and who it was made by. They only told me via a cell phone, but they couldn't tell me who used which card. I had already checked my bank account for that date, and there was no payment made. 
As part of this investigation with the XXXX  service, they informed me that there was also an error in the amount I was being charged. They recommend that I file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
It's been a long time I have requested a refund for a product that I tried initially and they sent me another shipment I had refused and my bank is supposed to refund approximately XXXX and change back to me it's been since XX/XX/XXXX th .We are now into XXXXi have returned the package .they are telling me it's going to take another month?? Approximately.This is ridiculous.Chime Bank .Online banking account.

Company response to consumer: Closed with explanation