vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX sage stream and invoice data solutions. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( XXXX XXXX consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management has continued to bill me, collect on me, and report information to the credit bureaus even though they do not have a valid judgment and have not provided any of the documents I have repeatedly requested. 

On XX/XX/year>, a Midland representative told me that the lawsuit against me would stop if I made a payment. I relied on this statement and made payments, but Midland continued with the lawsuit anyway. They never sent anything in writing to confirm what they promised. 

I repeatedly asked Midland for proof of the debt, proof that they own the debt, a written agreement reflecting what their representative told me, and copies of the records they are using to collect and report this account. I also sent correspondence to both Midlands customer service and the attorney listed on the case. Neither responded to me. My emails and filings were ignored. 

The attorney identified on the case, XXXX XXXX, never communicated with me at all, and the only email address associated with her was XXXX address instead of a Midland corporate domain. Midland has never explained who she is or why a third-party service provider appears to be acting in a legal role for them. This added to the confusion and lack of transparency. 

Even though Midland did not validate the debt, did not provide documentation, did not respond to my correspondence, and did not provide any written agreement, they continued billing me and continued reporting the account as an active collection. They also pursued litigation despite telling me over the phone that it would stop. 

Midlands behavior has been misleading, harmful, and unfair. They continued to collect and report information without validation, without transparency, and without acknowledging my requests. Their actions have caused significant stress, confusion, and financial harm, and I am requesting that the CFPB review their conduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: AS

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my Equifax, Experian, and TransUnion credit reports. Despite previous disputes and submission of supporting documentation, several accounts and personal information continue to be reported incorrectly, including inaccurate late payments, balances, account statuses, and addresses. These inaccuracies include, but are not limited to, errors on my 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 XXXX XXXX XXXX XXXX as well as incorrect addresses associated with my file. The repeated reporting of unverifiable and conflicting information violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require credit reporting agencies to maintain accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AS

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding multiple inaccuracies on my Equifax, Experian, and TransUnion credit reports. Despite previous disputes and submission of supporting documentation, several accounts and personal information continue to be reported incorrectly, including inaccurate late payments, balances, account statuses, and addresses. These inaccuracies include, but are not limited to, errors on my 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 XXXX XXXX XXXX XXXX as well as incorrect addresses associated with my file. The repeated reporting of unverifiable and conflicting information violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require credit reporting agencies to maintain accurate, complete, and verifiable information.

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 2025-12-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I am writing to formally dispute the debt currently being reported to the credit reporting agencies under the account referenced above. This is not a refusal to pay if the debt is proven to be mine and accurate, but a demand for validation as is my right under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I am disputing this debt on the grounds of inaccuracy and lack of verification, specifically regarding the reported balance. 
My credit report shows a Reported Balance of {$500.00}, yet it also indicates a Highest Balance of only {$330.00}. This represents a significant and unexplained discrepancy that renders the entire reported trade line unverifiable and inaccurate. 
Pursuant to my rights, I demand that you provide me with clear, comprehensive, and legally competent evidence to validate the entire {$500.00} balance claimed, including the following documentation : 1. Itemized Accounting : A detailed, chronological ledger showing the original principal balance, every payment made, and an itemized breakdown of all interest, penalties, and fees that resulted in the {$500.00} Reported Balance. This must specifically justify the amount exceeding the {$330.00} Highest Balance. 
2. Original Contract : A copy of the signed agreement or contract bearing my signature, which explicitly outlines my obligation to pay the amount claimed. 
3. Assignment Documentation : Documentation showing a clear chain of title proving that WFC has the legal right and authority to collect the debt in the amount of {$500.00}. 
4. Date of Delinquency : The last date of payment and the date of original delinquency reported to the credit bureaus. 
Please be advised that under the FDCPA : All collection activities regarding this debt must cease immediately until I receive the requested validation. 
If you have already reported this account to any credit reporting agency ( XXXX XXXX XXXX ), you must report that the debt is DISPUTED by me. 
Reporting information that you know or should know to be inaccurate, or failing to report information correctly, violates the FCRA ( 15 U.S.C. 1681s-2 ). 
If you fail to provide the requested validation within 30 days of your receipt of this letter, you must permanently delete this account from all my credit reports and cease all attempts to collect this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Issue : Citi denied my dispute even though I cancelled the contract the next day and the merchant issued only partial refundskeeping the entire {$7000.00} that was charged to my Citi XXXX XXXX card. 

What happened : I purchased a {$34000.00} membership contract from XXXX XXXX XXXX XXXX XXXX ) while on vacation in XXXX on XX/XX/year>. The payment was split across XXXX cards : {$20000.00} on XXXX fully refunded by Palace {$7000.00} on my debit card partially refunded by XXXX, with the remaining balance still under dispute {$7000.00} on my Citi XXXX XXXX XXXX not refunded at all I cancelled the contract the next day ( XX/XX/year> ), within the rescission/cooling-off period stated in writing by Palace. 

XXXX has claimed that the {$12000.00} they withheld is for a room upgrade ; however, I had already paid for the original room, and the contract and cancellation terms do not allow them to charge additional fees for upgrades on a cancelled membership. 

I informed Citi via email that I had cancelled the contract. Citi denied my dispute without requesting any further documentation, despite the merchant partially refunding other cards and withholding the full {$7000.00} on my Citi card for a fully cancelled contract. 

I also have submitted a complaint with PROFECO ( the XXXX XXXX XXXX XXXX ) regarding Palace Elite 's withholding of funds and the matter is currently under review. 

Key facts : I cancelled within the contracts rescission window this requires a full refund. 
The merchant partially refunded other cards this proves they recognized the cancellation. 
The merchant kept the entire Citi portion ( {$7000.00} ) and did not refund a single dollar. 
The remaining balance on my debit card is still under dispute, showing the merchant is withholding funds across multiple payment methods for a fully cancelled contract. 
The merchants withholding of {$12000.00} violates the written contract, and the room upgrade claim is not valid under the terms. 
Citi denied my dispute without appropriately reviewing the documentation or requesting additional proof. 
I received no goods or services for the {$12000.00} that XXXX kept. 


I am now financially responsible for a charge associated with a fully cancelled contract and for services that were never provided. 

Timeline : Paid {$34000.00} across XXXX cards Cancelled the next day in writing ( proof included ) Palace fully refunded XXXX ( {$20000.00} ) Palace partially refunded debit card ( {$7000.00} ), remaining balance still under dispute XXXX kept {$12000.00} total, refunded nothing to Citi Citi denied the dispute without requesting additional documentation

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 2025-12-09 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: FL

Complaint narrative:
My credit report shows several inquiries that I do not recognize. I did not give any of these companies permission to pull my credit report, nor did I apply for anything with them. I do not appreciate my rights as a consumer being violated, especially when Im already dealing with so much stress in my life. These unauthorized inquiries are adding unnecessary anxiety and affecting my peace of mind.

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 2025-12-09 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: FL

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

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 2025-12-09 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: IL

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 2025-12-09 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to SoFi bank for charges {$880.00} made to repair my vehicle. I sent them the invoice and the xplanation of my concern ( the issue I took the car in for was not fixed after the dealer trried twice to fix the problem ). I submitted dispute to SoFi XXXX and they denied refund. I took the vehicle to another automotive shop who diagnosed a different issue than the dealer. I submitted this information to SoFi on XX/XX/XXXX, they denied refund again on XX/XX/XXXX for a XXXX time. Each time I request they send me documentation used in making their decision and all they send is the invoices I sent to them in the dispute, nothing else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - Date Opened : XX/XX/XXXX - Balance : {$5800.00} INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/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 2025-12-09 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
Regional Acceptance pulled my credit on XX/XX/year> without my authorization. I dia not apply for financing with this lender and did not sign any credit application. 
This violates FCRA 604 ( a ), as they lacked permissible purpose and consumer authorization. 
They also can not show proof of authorization under FCRA 609 ( a ) ( 1 ). 
This hard inquiry is unauthorized and affecting my credit scores. I request CFPB intervention to have it deleted. 
XXXX XXXX XXXX CFPB

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 2025-12-09 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: Kikoff Inc.
State: IL

Complaint narrative:
I am requesting the CFPBs assistance because Kikoff is reporting XXXX different charge-off events on the same account, which is factually inaccurate. 

The account was charged off in XX/XX/year>. 
However, XXXX is also reporting the account as charged off again in XX/XX/year>, which is impossible and violates the Fair Credit Reporting Act. 

A lender is only allowed to report XXXX charge-off for an account. 

Reporting a second charge-off in XX/XX/year> creates duplicate derogatory information, which artificially harms my credit score and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ). 

I previously filed a complaint, but Kikoff did not address this issue and instead only responded about late payments, which is not what I disputed. 

I am requesting that the CFPB require Kikoff to : XXXX. Correct the duplicate XX/XX/year> charge-off, OR XXXX. Delete the entire tradeline if the company can not provide documentation supporting the second charge-off event. 

Please require Kikoff to provide : The official date of first delinquency ( DOFD ) The official charge-off date A valid explanation for why a second charge-off is being reported in XX/XX/year> This second charge-off is inaccurate, and Kikoffs prior response did not address the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation