vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX concerning two credit card accounts : one ending in XXXX ( XXXX XXXX ) and another ending in XXXX ( XXXX  XXXX ). 

Between XXXX and XXXX, I submitted five rounds of documented disputes regarding the reporting of both accounts. In each case, XXXX XXXX responded with templated language, avoided meaningful reinvestigation, and refused to remove derogatory data despite confirming the accounts were resolved and fully paid. 

For account ending in XXXX : Settled in full on XX/XX/XXXX, via XXXX XXXX own portal. 

Balance paid : {$270.00} ; Forgiven : {$230.00}. 

Despite this, they continue to report the account as charged-off, settled for less, and 150+ days delinquent. 

No original contract or billing documentation has been provided only generic summaries. 

For account ending in XXXX : Officially closed by XXXX XXXX on XX/XX/XXXX, balance {$0.00} as of XX/XX/XXXX. 

Still reported with 8 months of late payments and derogatory remarks. 

Letters from XXXX XXXX confirm the account was resolved, but the remarks remain on all 3 credit bureaus. 

I am attaching : XXXX  XXXX letters ( consolidated PDF ) Screenshots of account status and balances Settlement confirmation email XXXX credit report summary NOTE : Due to file limitations, I am unable to upload all supporting evidence here, but I retain all records and correspondence and will provide full documentation upon request or through the Office of the Attorney General. 

I have already escalated this matter to the Federal Trade Commission FTC Report # XXXX This is my final written notice before escalation to the Florida Attorney General for formal legal review under the FCRA. 

I respectfully request : Immediate removal of all derogatory codes, remarks, and late payment data for both accounts Enforcement of my rights under : FCRA 611 ( accuracy and completeness ) FCRA 623 ( b ) ( failure to correct after dispute ) FCRA 607 ( b ) ( negligent furnishing of misleading data ) All communication regarding this complaint must be conducted through this CFPB portal for full transparency and recordkeeping.

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 2025-06-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX concerning two credit card accounts : one ending in XXXX ( XXXX XXXX ) and another ending in XXXX ( XXXX  XXXX  ). 

Between XXXX and XXXX, I submitted five rounds of documented disputes regarding the reporting of both accounts. In each case, XXXX XXXX responded with templated language, avoided meaningful reinvestigation, and refused to remove derogatory data despite confirming the accounts were resolved and fully paid. 

For account ending in XXXX : Settled in full on XX/XX/XXXX, via XXXX XXXX own portal. 

Balance paid : {$270.00} ; Forgiven : {$230.00}. 

Despite this, they continue to report the account as charged-off, settled for less, and 150+ days delinquent. 

No original contract or billing documentation has been provided only generic summaries. 

For account ending in XXXX : Officially closed by XXXX XXXX on XX/XX/XXXX, balance {$0.00} as of XX/XX/XXXX. 

Still reported with 8 months of late payments and derogatory remarks. 

Letters from XXXX XXXX confirm the account was resolved, but the remarks remain on all 3 credit bureaus. 

I am attaching : XXXX  XXXX letters ( consolidated PDF ) Screenshots of account status and balances Settlement confirmation email XXXX credit report summary NOTE : Due to file limitations, I am unable to upload all supporting evidence here, but I retain all records and correspondence and will provide full documentation upon request or through the Office of the Attorney General. 

I have already escalated this matter to the Federal Trade Commission FTC Report # XXXX This is my final written notice before escalation to the Florida Attorney General for formal legal review under the FCRA. 

I respectfully request : Immediate removal of all derogatory codes, remarks, and late payment data for both accounts Enforcement of my rights under : FCRA 611 ( accuracy and completeness ) FCRA 623 ( b ) ( failure to correct after dispute ) FCRA 607 ( b ) ( negligent furnishing of misleading data ) All communication regarding this complaint must be conducted through this CFPB portal for full transparency and recordkeeping.

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 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am filing this complaint against SoFi Bank regarding their excessive and unreasonable transaction restrictions that interfere with my ability to access and use my own funds. Specifically, SoFi is flagging and declining routine debit card transactions, requiring me to call customer service to approve each purchase. This is not a simple fraud alert or verification textevery time, I must call in, wait on hold, and undergo a burdensome verification process while being publicly declined and embarrassed at the register. 

This is an unacceptable banking practice. It is unreasonable to subject customers to such invasive and obstructive procedures for using their own money. These delays and denials cause financial harm, humiliation, and create a clear barrier to accessing funds in violation of the banks duties under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which requires financial institutions to provide consumers prompt access to their own funds. 

Moreover, when standing in public and on the phone with representative, you are made to give all your personal information verbally where anyone can hear you giving this information. This is the opposite of prevention when it requires customers to vocally give personal non public information out load over a phone line that who knows is even secure which would promote the opposite. Normal cell phone conversation are not secure as the police and corrupt private individuals build and have access to string-rays, which are cell site simulators that easily intercept phone calls and text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-06-01 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: MRS BPO, LLC
State: FL

Complaint narrative:
I was a victim of identity theft, someone fraudulently opened multiple credit lines under my name ( XXXX XXXX XXXX, MRS BPO {$190.00}, XXXX XXXX  {$1100.00} ). I did not give anyone written or verbal permission to place such information on my consumer report, because, my privacy write have been violated, I am demanding the companies to block & remove the fraudulent accounts off of my consumer report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I was a victim of identity theft, someone fraudulently opened multiple credit lines under my name ( Resurgent Receivables LLC, XXXX XXXX {$190.00}, XXXXXXXX XXXX {$1100.00} ). I did not give anyone written or verbal permission to place such information on my consumer report, because, my privacy write have been violated, I am demanding the companies to block & remove the fraudulent accounts off of my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I contacted XXXX from a stolen information from my credit card and they said they hadn't going to put a lock on it for 180 days but it's my money and I can't figure a way to verify myself in any way for some reason they won't let me in I have a government ID which should be able to mail to them but they're not being any way helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused severe XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn & # 39 ; t make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I am being pursued by XXXX XXXX XXXX for a {$68.00} debt on behalf of XXXX XXXXXXXX. I formally canceled my XXXX XXXXXXXX membership on XX/XX/year>2025, in writing, after multiple failed attempts to cancel through the methods outlined in the contract. The contract specifies that cancellations can be made via the app, but that feature was unavailable. I also attempted to cancel over the phone but was told that was not permitted. 

XXXX  XXXX later responded that cancellations must be done in person, during select hours on specific days a requirement not stated anywhere in the contract.

After canceling in writing, I successfully disputed the last charge with my credit card company. XXXX XXXX then contacted me via email claiming to be a debt collector and attempting to collect the charge. I responded by formally disputing the debt and requested verification under the Fair Debt Collection Practices Act ( FDCPA ), including documentation of the debt and cancellation policy. I also asked that all communication be conducted in writing. 

XXXX has not provided any of the requested verification. Instead, they continue to send generic replies directing me back to the gym and have sent an automated phone call, which violates my written communication request. They have not fulfilled their legal obligations under the FDCPA, and I do not owe this debt.

I am requesting that XXXX  cease further collection efforts and formally close this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CT

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  scores XXXX XXXX XXXX are being held hostage for 6 months by experian equifax transunion deliberately making tire one banks not see yours credit scores and reports for 6 months and forcing subprime lenders on consumers forcefully and scamming 3 in one credit reports with no scores i have over 5 tradelines on report and forcing 500 percent apr on interest rates from subprime lenders

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX  scores XXXX XXXX XXXX are being held hostage for 6 months by experian equifax transunion deliberately making tire one banks not see yours credit scores and reports for 6 months and forcing subprime lenders on consumers forcefully and scamming 3 in one credit reports with no scores i have over 5 tradelines on report and forcing 500 percent apr on interest rates from subprime lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover credit card states that all primary users and authorized users credit rapport and status would be reported to all three credit bureaus naming XXXX XXXX and XXXX regarding credit history for all users. 

I had to call and order for them to report to all three credit bureaus when they were only reporting to two now they're not reporting to any and in accurate information was reported once I mentioned about XXXX Please take note It does not define any special circumstances or conditions all users will be reported to all three credit bureaus ... And I was constantly for months delayed in getting answers back or responses Please note that they were claiming to have been doing an investigation and reporting to TransUnion and the other two credit bureaus but the credit bureau say we never got anything it's been a long road that's good consumers and paying our bill on time we have ran into numerous issues that have been unfair and not favorable they started reporting the TransUnion and once they stop and took it off I took XXXX big heavy hit as an authorized user for the trade line in the beginning my daughter as the primary user so had to call in once I brought it to her attention that it wasn't being reported to experian on her behalf and then they started reporting that took place almost a year later... I stated to a young lady that You're not reporting to XXXX on our behalf and her reply was we don't report to XXXX... And which we found strange when they advertise that they report to all three credit bureau and it's in their terms and conditions regarding everything I've spoken on that they're supposed to be reporting to all three credit bureaus regarding the primary user and authorized users name... We have made payments on time and before time this is not acceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 15 USC 1681-C block and remove these items 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 explanation
Consumer complaint received 2025-06-01 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: TN

Complaint narrative:
I am writing to formally dispute an account that has been fraudulently reported on my credit report. I recently obtained a copy of my credit report and noticed an account listed under the name XXXX XXXX XXXX XXXXXXXX that I did not open and never authorized. 

This account was reported without my knowledge or consent and is clearly the result of identity theft or fraud. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that this account be investigated and removed from my credit report immediately.

I have filed a report with the Federal Trade Commission ( FTC ) and can provide supporting documentation upon request.

Please conduct a prompt investigation into this matter and provide written confirmation of the outcome. I expect this fraudulent account to be removed from my credit file as required 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} & XXXX XXXX XXXX * * * * Balance : {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} & XXXX XXXX XXXX * * * * Balance : {$8100.00}

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 2025-06-01 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: Professional Credit Management, Inc
State: FL

Complaint narrative:
I want reported accounts removed. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that this inaccurate information be promptly investigated and removed from my credit report.

I expect a response within the legally required timeframe of 30 days.

Please provide written confirmation that the account has been corrected or removed.

If the account is verified as accurate, I request full documentation proving its legitimacy. 

XXXX XXXX XXXX  acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXX professional credit ma acct XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I want reported accounts removed. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request that this inaccurate information be promptly investigated and removed from my credit report.

I expect a response within the legally required timeframe of 30 days.

Please provide written confirmation that the account has been corrected or removed.

If the account is verified as accurate, I request full documentation proving its legitimacy. 

cane and winer acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXXXXXX XXXX XXXX XXXX  acct XXXX XXXXXXXX

Company response to consumer: Closed with explanation