vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
Subject : Identity Theft Fraudulent Credit card/loan accounts Request for Removal Under FCRA 605B Complaint : I am submitting this complaint regarding a fraudulent credit card accounts and personal loan that has been reported on my credit file. This account was opened as a direct result of identity theft, and I did not authorize, open, or benefit from these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the legal right to request that any consumer reporting agency block and remove all information relating to accounts that were the result of identity theft once I provide proper documentation. I have already submitted an identity theft report and supporting documentation to the credit bureaus and the furnisher of the fraudulent accounts. Despite my request, the account continues to remain on my credit file.

The continued reporting of this fraudulent account is a clear violation of my rights under FCRA 605B, and it is causing me financial harm and damage to my creditworthiness.

Requested Resolution : Immediate removal and permanent blocking of the fraudulent auto loan account from my credit reports across all consumer reporting agencies ( Experian, XXXX, XXXX  ).

Confirmation in writing that this account will not be reinserted into my credit file.

Enforcement of compliance by the furnisher and the credit reporting agencies with FCRA 605B.

I am providing all supporting documents, including my identity theft affidavit, police/FTC report , and correspondence sent to the credit bureaus.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America closed my account without providing advance notice. I was not informed about how the remaining balance would be returned until I visited a financial center to open a new account and asked. At that time, I was told the funds would be sent by check. 

The check was reportedly mailed on XX/XX/year>, but I have not received it. The bank informed me that I must wait 121 days before a replacement check can be issued. They also advised me that they can not mail to an international address and can not transfer the remaining balance to my new Bank of America account. 

This situation leaves my earned income at risk. The funds are very important to me because they represent wages I worked for. I will be leaving the XXXX on XX/XX/year> and can not return to pick up a check. 

I respectfully request that Bank of America stop payment on the missing check and reissue the funds through a secure method, such as a wire transfer, deposit into my active account, or trackable mailing.

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 monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Dispute of Utility Collection Reported by Credit Systems Intl XXXX : XXXX XXXX Balance {$160.00} XXXX : XXXX SSN ( Last XXXX ) : XXXX To Whom It May Concern, I am formally disputing the accuracy and legality of the Credit Systems International ( CSI ) collection account related to XXXX XXXX, with a reported balance of {$160.00}. 


I am disputing the reporting of a utility collection account from XXXX XXXX by Credit Systems International Inc. I have no knowledge of this debt being assigned or collected by this agency, and no proper notice or validation was ever received.

This reporting violates FCRA 611 ( a ) and FDCPA 809 ( b ). I have requested full validation including the original contract, itemized billing, and assignment proof. Until that is provided, the entry must be deleted.

I also request that Credit Systems Intl Inc. cease reporting and all communication until written validation is sent. 

XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: OH

Complaint narrative:
I previously disputed the XXXX XXXX account as inaccurate. XXXX already agreed to delete the tradeline, and I received alerts confirming its removal. My score increased immediately after the deletion. 

However, after Equifax filed its CFPB response, my score suddenly dropped by over XXXX points. Equifax is now : XXXX. Claiming the account will remain for 7 years, despite it being deleted. 
2. Claiming XXXX updated the account, which amounts to an unlawful reinsertion without providing me the required XXXX notice under FCRA 611 ( a ) ( 5 ).

3. Reporting false derogatory codes ( serious delinquency, bad payment history, recent missed payment ) even though my file is clean.

4. Blocking me from re-disputing, saying I stopped a dispute, which denies me my rights under the FCRA. 

This sequence shows clear retaliation for filing a CFPB complaint. Equifax is misrepresenting my file, suppressing my FICO score, and denying me dispute rights. 

I request CFPB oversight to require Equifax to : Permanently delete XXXX from all sections of my file ( including the oldest account summary ). 
Correct and recalculate my score to reflect my actual, clean file. 
Stop blocking my ability to dispute inaccurate reporting. 
Provide written confirmation that the account will not be reinserted without proper certification and XXXX notice, as required by law. 
XXXX representative falsely claimed XXXX XXXX was inaccurate and that XXXX must remain for 7 years. However, XXXX own portal shows the XXXX account is still under dispute/investigation and will not allow me to re-dispute. This is contradictory, misleading, and further proof Equifax is retaliating after CFPB intervention. 
Attached is proof that Equifax deleted the XXXX XXXX account between XX/XX/XXXX and XX/XX/year>, and finbe agreed to send out an AUD across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NJ

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 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX ( XXXX ) XXXX XX/XX/year> XXXX XXXX Jefferson Capital LLC. 
XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Subject : Formal Dispute of Alleged Debt and Cease and Desist Request Pursuant to 15 U.S.C. 1692g ( b ) and 1692c ( c ) To Whom It May Concern, This letter is being sent in response to your recent communication regarding an alleged debt you claim I owe. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to formally dispute the validity of this debt, and to demand that you cease all further communication with me regarding this matter.

1. Debt Dispute Under 15 U.S.C. 1692g ( b ) Pursuant to 15 U.S.C. 1692g ( b ), I request validation of the debt you allege I owe. Until you provide sufficient verification and documentation that substantiates your legal right to collect the debt and that I am legally obligated to pay it, you must cease all collection activities. 

Please provide the following : The amount of the alleged debt ; The name of the original creditor ; A copy of the original contract or agreement bearing my signature ( if applicable ) ; A complete payment history and itemized breakdown ; Documentation proving your agency 's legal authority to collect this debt ; Proof that the statute of limitations has not expired.

2. Cease and Desist Under 15 U.S.C. 1692c ( c ) In addition, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease all communication with me, effective immediately. You may only contact me in writing to confirm that : Your collection efforts are being terminated ; You may invoke specified legal remedies ; or You intend to invoke specified legal remedies.

Any other contact from you, your company, or your agents will be considered a violation of federal law. 

Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney General of my state. I also reserve the right to pursue all available legal remedies under the FDCPA, including monetary damages, attorneys fees, and statutory penalties. 

You are hereby notified. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 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: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-15 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment notations on my accounts are in violation of 15 USC 1666. I have consistently made timely payments, and any errors in reporting this information are inaccurate and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
To Whom it May Concern, I am filing this complaint regarding SoFi 's student loan servicing practices, which I believe violate federal consumer protection laws. I have been making regular student loan payments since XXXX. My loan was previously serviced through SoFi in coordination with XXXX. Recently, I was informed by phone ( with no written notice ) that my loan was transferred to SoFi-only servicing. Since that change : My online SoFiXXXX account shows no payment history since XXXX 

My monthly automatic payment amount was changed without my knowledge or consent, which is a potential violation of the E

lectronic Fund Transfer Act ( EFTA ). I have received no messages or written notifications from SoFi regarding this change.

I attempted to modify my payment settings, but SoFi does not give me the option to direct extra payments toward principal, only interest which is unfair and possibly deceptive.

These actions have made it impossible for me to verify my repayment progress, track forgiveness eligibility, or properly manage my loan.

I believe this situation may violate the following laws : Electronic Fund Transfer Act ( EFTA ) unauthorized change to autopay Truth in Lending Act ( TILA ) failure to disclose new payment terms Fair Credit Reporting Act ( FCRA ) removal of payment history UDAAP under the Consumer Financial Protection Act unfair or deceptive practices I am requesting that the CFPB investigate SoFis student loan servicing conduct, and that SoFi : Provide me with a full, written history of my payments since XXXX Restore visibility into my full loan data Justify and document any changes to my payment amount Give me control over how extra payments are applied ( principal vs. interest ) These are serious issues and I have supporting documentation, including screenshots, bank records, and communication history. I respectfully request swift action. 

I look forward to hearing back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
FCRA Dispute Unauthorized Credit Inquiries To Whom It May Concern : I am disputing unauthorized credit inquiries appearing on my TransUnion consumer report. Under the FCRA ( 15 U.S.C. 1681b ), inquiries require my written consent or a permissible purpose. I did not authorize the following companies to access my credit file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you investigate these inquiries and require the furnishers to produce evidence of my written authorization. If they can not, these inquiries must be deleted from my credit file in compliance with FCRA 1681i.

Please provide me with written confirmation of your investigation results within 30 days. 

Thank you for your assistance. 

Sincerely, 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 explanation
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
CFPB Complaint Reference Number : XXXX This is a follow-up complaint against TransUnion regarding their continued failure to comply with federal law as it pertains to the accuracy and verification of credit reporting.

Despite my initial dispute, TransUnion has not provided the legally required * * Method of Verification ( MOV ) * * for the following accounts, which remain inaccurately reported on my credit file : - XXXX XXXX  - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX  XXXX Under * * 15 U.S. Code 1681i ( a ) ( 7 ) * *, the consumer reporting agency must provide a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name and contact information of the furnisher. To date, no such documentation has been provided.

Additionally, * * 15 U.S. Code 1681e ( b ) * * requires TransUnion to follow reasonable procedures to assure maximum possible accuracy in preparing consumer reports. Their failure to produce evidence of proper verification or source documentation suggests a breach of this obligation.

Further, under * * 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) * *, if an item can not be verified, it * * must be deleted * *. Yet, several accounts remain on my report without sufficient documentation or legitimate confirmation of accuracy.

TransUnions actionsor lack thereofconstitute non-compliance with FCRA procedures. I am requesting CFPB intervention to : 1. Demand that TransUnion provide the full Method of Verification documentation for the above accounts.

2. Order immediate * * permanent deletion * * of any item that can not be fully verified.

3. Ensure that updated results are sent to me in writing.

This matter is urgent. The continued presence of inaccurate and unverifiable items on my credit file is causing financial harm, and TransUnion must be held accountable.

Thank you. 
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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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