vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-05 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: TX

Complaint narrative:
I am requesting the removal of an inaccurately reported late payment from my credit report. My records confirm that payments were made as agreed, and this entry is a clear mistake. Reporting this account as delinquent creates an unfair and unjust negative impression that does not reflect my true payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: VA

Complaint narrative:
Checkr illegally used my personally identifiable information to submit reports to two california based companies that contained incorrect information which negatively has affected my relationship with these two companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Since early XXXX I have been receiving XXXX daily emails from XXXX stating that transactions on my XXXX XXXXXXXX XXXX ending in XXXX were declined. 
These transactions do not appear in mXXXX XXXX transaction history. 
XXXX agents claimed the problem was linked to XXXX, but I confirmed in XXXX XXXX  that no such transactions exist. 
XXXX provides no way to reach a real human, no valid support email ( emails bounce back ), and only chatbots and automated phone menus. The only information I get is repeated daily emails saying declined transaction. 

This creates constant harassment, stress, and fear that my identity or accounts are being misusedXXXX XXXX has failed to provide : 1. Written confirmation that my old card was permanently closed and replaced. 
2. Details of the attempted charges ( merchant IDs, network tokens ).

3. Assurance that these false decline notices will stop. 

I believe XXXXPayPals systems are either glitched or improperly handling merchant tokens on XXXX rails XXXX causing me to get endless emails with no actual transactions. This is unfair and harmful. 

Requested Relief : Require XXXX/PayPal to confirm my old card is closed and fully disassociated from all merchants/tokens. 
Stop sending repeated false decline emails when no transaction exists. 
Provide transparency into the source of these attempted charges. 
Review XXXX support model, which currently leaves consumers with no way to reach a real agent for resolution. 

This situation is part of a larger pattern of financial and identity harm I am experiencing, including inaccurate credit bureau reporting and denial of life insurance due to bad dataXXXX XXXX handling of this issue worsens my financial vulnerability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I was contacted by credit collections on behalf of XXXX XXXX XXXX stating I owed {$230.00}. I never received a bill, so disputes charge with credit collections. They stated they were waiting on a response from XXXX and would validate charges. I never received a bill. XXXX XXXX also told me that this would not be placed XXXX my credit report until dispute was validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-09-05 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MI

Complaint narrative:
The credit review doesn't represent my financial ethics properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This mistake portrays an inaccurate view of my financial habits. Please review and resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
SoFi denied my unauthorized XXXX transaction disputes in as little as 15 days without requesting or reviewing my documentation. This does not meet the standard of a reasonable investigation under Regulation E ( 12 CFR 1005.11 ). 

On XX/XX/year>, I submitted new evidence from XXXX confirming that my account was compromised and that the XXXX XXXX token used was not linked to my device, XXXX ID, or verified identity. Despite receiving this, SoFi issued its final review on XX/XX/year>XXXX  and ignored the merchants fraud confirmation entirely. 

Further, the 10-business-day provisional credit deadline ( XX/XX/year> ) passed without SoFi applying credit to my account. Reopening the claim and resetting the clock is not permitted under Regulation E. SoFi remains non-compliant by withholding provisional credit while relying on an unreasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Subject : Wrongful Foreclosure, Improper Notice, and Missing Funds Parties Involved : Creditor/Servicer : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) Foreclosure Law Firm : Brock & Scott , PLLC Attorney XXXX XXXX XXXX Summary of Complaint : I am filing this complaint regarding an unlawful foreclosure and financial misconduct involving XXXX XXXX and their foreclosure counsel , Brock & Scott , PLLC. 
1. Mishandling of Foreclosure Notices : I never received proper foreclosure notices at my correct address, despite XXXX XXXX and Brock & Scott being aware of my residence. 
Instead, notices were knowingly sent to an incorrect address, violating O.C.G.A. 44-14-162. 
2. Failure to Comply with Georgia Foreclosure Publication Law : Under O.C.G.A. 9-13-140 & 9-13-141, foreclosure advertisements must be published once a week for four consecutive weeks. 
I demanded proof of compliance from attorney XXXX XXXX. He only provided a single publication, then refused to provide further documentation, stating I am not the borrower on record. 
This failure to provide proof of four consecutive weeks of publication suggests the foreclosure sale did not comply with Georgia law. 
3. Financial Misconduct & Missing Funds : I invested over {$40000.00} in this property in a subject-to transaction, including a {$29000.00} down payment ( which I found out afterwards it is against the law to make a down payment or mix cash with credit ). 
XXXX XXXX has only refunded {$7600.00}, but refuses to return the remaining {$11000.00} {$14000.00}. 
This unaccounted money remains in dispute, and XXXX XXXX has failed to provide documentation or explanation. 
4. Attorney Misconduct & Withholding of Records : When I requested documentation, XXXX XXXX refused to provide proof of statutory compliance, despite my recorded interest in the property. 
His refusal further obstructs my ability to pursue legal remedies and violates consumer rights to transparency and due process. 

Impact on Me : Because of these violations, I suffered wrongful foreclosure, financial loss of {$40000.00} and denial of due process. 

Requested Resolution : I respectfully request that the CFPB investigate and require : Full documentation of foreclosure notices and four consecutive weeks of publication. 
Proof that notices were properly mailed to my correct address. 
An accounting and return of the unaccounted {$11000.00} {$14000.00}. 
Corrective action against XXXX XXXX and Brock & Scott for mishandling foreclosure and violating Georgia foreclosure law. 
I am formally requesting the return of my house due to illegal foreclosure. 

Attachments ( Evidence ) : Email from attorney XXXX XXXX refusing to provide foreclosure proof ( XX/XX/year> ). 
Copy of foreclosure notice/publication provided. 
Proof of my financial investment and lien in the property. 
Correspondence with XXXX XXXX regarding partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
There are multiple negative accounts affecting my credit report due to the inaccuracy

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 2025-09-05 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:
There are multiple negative accounts affecting my credit report due to the inaccuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I contacted chase bank on XX/XX/year> by phone and told them I need to dispute XXXX charges {$400.00} and {$150.00} on XX/XX/year> and {$200.00} on XX/XX/year> to a merchant due to not receiving product that was purchased. I told them I believe I was scammed because I did not receive my products and the business owner is not refunding me. I submitted text screenshots to show proof that I have tried to reach out to merchant. I received a letter on XX/XX/year> saying they are not able to dispute due to it being a purchase made through cash app and that I needed to contact cash app. I informed her I already spoke with cash app and even marked the charges as fraud ( which cash app can verify ) and was advised due to charges being made through my chase bank account I need to contact chase. The rep told me they cant help and dispute the charge and I need to speak with cash app. I have used this bank for all my purchases and Ive had to dispute a merchant who i paid through cash app before and was helped but this time they were unwilling to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX has knowingly and willfully published an unauthorized hard inquiry from Digital Federal Credit Union dated XX/XX/year> on my XXXX consumer report. I never gave written authorization to Digital Federal Credit Union to pull my credit, nor do I have any existing or pending credit relationship with them that would justify such an inquiry.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Re : Debt Validation Request Disputed Account [ XXXXXXXX XXXX XXXX XXXX XXXX  ] To Whom It May Concern, This letter is being sent in response to your claim that I owe a debt to your company. I dispute this alleged debt in its entirety. 

You have not provided proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically : I have no contract or agreement with XXXX XXXX. 

You have not produced a signed contract or agreement showing that I am legally obligated to pay your company. 

The documents you provided do not establish a valid chain of assignment from the original creditor to XXXX XXXX. 

Without such evidence, you have not properly validated this debt. 

Until you provide full and complete validation, including a signed original contract and proof of ownership/assignment of the debt, you must cease all collection activities and remove any related reporting from my credit files. 

If you continue to pursue this alleged debt without proper validation, it will constitute a violation of my consumer protection rights, and I will report your company to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This letter is a formal notice of dispute. I request that all further communication regarding this matter be in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
XX/XX/year>XXXX  - {$180.00} My XXXX XXXX XXXX son used my credit card that was in my phone to make a purchase without permission. I immediately called the company and canceled the order and let Synchrony Bank know. Two weeks later we received the product ( shoes ). We I called the company XXXX to return the product I was told that they were non returnable. When I called XXXX XXXX back I was told too bad the merchant sent the product and the only way to dispute would be to call the authorities on my son for fraud. Issue still not resolved and unable to talk to anyone at the bank.

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 2025-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Paypal credit sent me a Paypal Credit Card without my consent. I did not authorize them to issue me a credit card. I was told by a representative on the phone that I must use the card from now on and would no longer be able to use the digital version of paypal credit. I was also told that I was sent an email back in XX/XX/scrub> XXXX claiming I was being upgraded and could Opt out withing 30 days. Due to the volume of emails I receive daily, I was not aware of this email. This feels like a sneaky tactic to force consumers into taking a credit card they never applied for. 
I want Paypal to be held responsible for sending my information to a credit card company without my consent!

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