vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2025-09-12 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
Harley Davidson Credit Corp. ; has been sending me statements sense XX/XX/year>, that states Total Amount Due {$0.00} ; however they are repoting to the Credit Agencies that I have a balance of {$60.00}, in the past week I check my credit report and it stated the account now has a late payment due, in the amount of {$62.00}. I received another statement from Harley Davidson on XX/XX/year> that states total Amount Due is {$0.00}. I have never received a vehicle from this Company or its affliates, finally I have never paid a single dollar on this account..

The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I've been getting threatening calls and emails related to a payday loan I don't recall taking out. This has been going on for well over a year. I have finally decided to report it, as I don't believe these emails are sent from a real lawyer or law office. It is my understanding, that it is criminal to misrepresent yourself as a lawyer and a violation of the FDCPA. It appears Speedy Cash is a legitimate pay day loan company, but the XXXX XXXX XXXX XXXX XXXX, is not a law firm and the attorney, XXXX XXXX, either doesn't exist at all or his credentials are being misrepresented by this half XXXX dollar a year payday loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXXXX/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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Third party debt collector Portfolio Recovery Ass. Started receiving email XXXX, did reply to them informing them to stop contact. reference number on email XXXX, XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) XXXX ( XXXX ) Phone calls was first, new number from what the original debtor ( XXXX  XXXX ) ( XXXX ) had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Kashable LLC
State: PA

Complaint narrative:
I was on XXXX XXXX unable to make payments. Requested lower payments but was so behind they denied. Offering a XXXX payout all at once which I am trying to save. The main the company Continues to harass me Daily with Multiple calls every Day 7 days week Even on XXXX. They called this past XXXX XXXX. They call from multiple different numbers. XXXX has caused me extreme anxiety and frustration. I can provide proof of my phone records. I am demanding they stop the harassment and clear this debt or I will pursue legal action against Kashable loan Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: WA

Complaint narrative:
I Mailed a debt validation letter to XXXX XXXX international on XX/XX/XXXX. i have yet to receive a response in writing of this validation letter. 

On XX/XX/XXXX i called XXXX XXXX  stated that this call is being recorded and asked if they have received my validation letter and they responded they have received it after he still asked how i was going to pay this debt which was a violation. 
They continued to say to me that i sent them a cease and desist letter so they did not have to send anything nor call in reference to this letter. I explained several times that the letter clearly says this is a debt validation letter, not a cease letter he is speaking about and clearly states and says the debt validation i need to have varified and he continued to argue with me about what he is making the letter out to be to him, which is another violation. i asked to speak to a supervisor in which he stated they will not talk to you or its a whole other department. still with harrasing attitude he finally transfers me over to someone and she started stating the same as the above guy was saying to me. i then stated i will simply just get lawyers involved and she asked me to give her my lawyers info, i stated to her they will just hear from them... she started taunting and harrasing me saying why cant you give it to me now is it because you do not have one? i said i am not sure if the guy i was talking to before you told you this was being recorded and started to state her violation and she hung up the phone on me. 

On XX/XX/XXXX i sent them a certified letter demanding they immediately remove claim from my report stating all illegal violations as well as original dispute letter of validation, requesting they take this off of my report due to them not responding within the 30 days I am still looking to get a place to live and this has hindered me for now. its been huge burden on me and my family. its been over XXXX  months ive been having issues with this agent when i am simply trying to get this resolved

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 2025-09-13 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I Mailed a debt validation letter to XXXX XXXX international on XX/XX/XXXX. i have yet to receive a response in writing of this validation letter. 

On XX/XX/XXXX i called XXXX XXXX  stated that this call is being recorded and asked if they have received my validation letter and they responded they have received it after he still asked how i was going to pay this debt which was a violation. 
They continued to say to me that i sent them a cease and desist letter so they did not have to send anything nor call in reference to this letter. I explained several times that the letter clearly says this is a debt validation letter, not a cease letter he is speaking about and clearly states and says the debt validation i need to have varified and he continued to argue with me about what he is making the letter out to be to him, which is another violation. i asked to speak to a supervisor in which he stated they will not talk to you or its a whole other department. still with harrasing attitude he finally transfers me over to someone and she started stating the same as the above guy was saying to me. i then stated i will simply just get lawyers involved and she asked me to give her my lawyers info, i stated to her they will just hear from them... she started taunting and harrasing me saying why cant you give it to me now is it because you do not have one? i said i am not sure if the guy i was talking to before you told you this was being recorded and started to state her violation and she hung up the phone on me. 

On XX/XX/XXXX i sent them a certified letter demanding they immediately remove claim from my report stating all illegal violations as well as original dispute letter of validation, requesting they take this off of my report due to them not responding within the 30 days I am still looking to get a place to live and this has hindered me for now. its been huge burden on me and my family. its been over XXXX  months ive been having issues with this agent when i am simply trying to get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
I am a victim of identity theft. I filed a ftc report on the items that were not mine. I have reached out to all the credit bureaus to dispute these items. TransUnion fails to remove the accounts even when I have provided them my ftc report like they have asked. I have done everything on my side that they have asked me to send them or submit.

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 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
In XX/XX/year>XXXX  I was marketed a personal loan from SoFi. I applied for a person loan in order to pay off high interest credit card debt. I already had an existing prior loan with SoFi with a locked in 11 % interest rate that I had been paying down for a year. All marketing on their website shows their various loan products, including but not limited to personal loans. I filled out the application for a personal loan and checked the box that said this was to pay off credit cards. The click through application even asked me for the credit card account number the payoff was supposed to be sent to. I provided by XXXX information. Rather than funding my loan and paying XXXX, SoFi defrauded me and paid off their own existing loan and then slapped me with an 18 % interest rate. I called them multiple times to demand correction because they were supposed to pay off my XXXX and this was a personal loan with remaining funds to be disbursed to me. Their representatives kept telling me I refinanced my old loan and they refuse to correct this. I begged them to give me my original application that expressly shows I applied for and was approved for a PERSONAL LOAN not a refinance, but they refuse to give it to me or acknowledge their fraud. Nowhere do any of the loan documents say refinance. The only refinance options they show on their website are a student loan and auto loan refinance. I never applied for either of these I applied for personal loan, not a refinance of anything : I would never in a XXXX years refinance a loan I had at 11 % with a second loan at 18 %. No one in their right mind would do this. They have cost me thousands and tanked my credit because of this. To make matters worse, my monthly payment went up and set me back a year of repayment I had been making. 

If you look at my original loan application you will see Sofis bait and switch fraud because they had me fill out information with my XXXX account information and lead me to believe they would be paying XXXX off. Otherwise, why ask for this information? The application asks me to identify what I would be using the loan funds for and I checked the box requesting specifically that the funds be sent to XXXX with remaining disbursed to me. This did not occur. Instead they stole the money, paid themselves, and charg

ed me a massive interest rate hike. I have asked 20 times for Sofi to send me a copy of the original application and they refuse. I am attached the truth in lending dis
closure that does not specify anywhere the word refinance. Moreover, I am attaching a screenshot of the loan products SoFi offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information currently being reported on my credit file, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following items are in dispute : XXXX Reported 30-day late payment, XX/XX/year> XXXX XXXX XXXX XXXX Reported 30-day late payment, XX/XX/year> These late payments must be deleted for the following reasons : Under 15 U.S.C. 1681 Section 602, I have the right to privacy and to expect that consumer reporting agencies only report accurate and verifiable information.

Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish or maintain account information without proper authorization and verification.

Under 15 U.S.C. 1681 Section 605, unverifiable or inaccurate information must be removed. The recent data breaches affecting credit reporting agencies call into question the reliability of these records.

Additionally, 15 U.S.C. 1666b ( Truth in Lending Act ) prohibits creditors from treating payments in a way that leads to inaccurate reporting under open-end consumer credit plans.

Because these late payment records can not be verified as accurate, their continued reporting is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
DELETE INACCURATE PERSONAL INFORMATION AND UPDATE MY CORRECT NAMES, ADDRESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
DELETE INACCURATE PERSONAL INFORMATION AND UPDATE MY CORRECT NAMES, ADDRESS

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 2025-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Im a XXXX  mother of XXXX with over XXXX in credit card debt I have reached out to all my credit cards stating I make XXXX a year. Also my home mortgage to ask for help. When I know they offer it. I wrote detailed letters to each one. Sent to the correct departments. They never responded. When I called to ask they just transfer me over and over and tell me to pay this amount or this amount while lowering all my limits. Im telling them I can barely keep a roof over our heads they offer the programs but they wont budge. Until two months ago, Ive made every single payment on time for years. They wont help me at all. They wont even give me the option. Im at a loss and afraid of losing everything.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this follow-up complaint to dispute inaccurate and misleading information currently appearing on my credit report. After reviewing my report, I identified multiple accounts that are being reported in a manner that does not accurately reflect my financial history and may mislead creditors or other users of my credit report. 
The accounts in question include : XXXX XXXX ( Account XXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late Open with a current payment status. The reporting does not reflect the full and accurate history of the account. 
XXXX ( Account XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late Open with no last payment date. This incomplete reporting may mislead lenders. 
XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late 60 Days with a last payment of XX/XX/XXXX. I believe this status is incorrect or incomplete and does not accurately reflect my payment history. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers of information must correct or update inaccurate or incomplete data once discrepancies are identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am submitting this follow-up complaint to dispute inaccurate and misleading information currently appearing on my credit report. After reviewing my report, I identified multiple accounts that are being reported in a manner that does not accurately reflect my financial history and may mislead creditors or other users of my credit report. 
The accounts in question include : XXXX XXXX ( Account XXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late Open with a current payment status. The reporting does not reflect the full and accurate history of the account. 
XXXX ( Account XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late Open with no last payment date. This incomplete reporting may mislead lenders. 
XXXX ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX ) : * * Reported as Late 60 Days with a last payment of XX/XX/XXXX. I believe this status is incorrect or incomplete and does not accurately reflect my payment history. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Furnishers of information must correct or update inaccurate or incomplete data once discrepancies are identified.

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