vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-31 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: GA

Complaint narrative:
My personal information is incorrect and being reported incorrectly. My mother use my social security number with her name when I was XXXX and now on my credit report it's says my name and on down it's aka or also known as with her name

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA

Complaint narrative:
I sent in a letter asking them to provide a verification method along with verify my info. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NJ

Complaint narrative:
On XX/XX/year> : Account Name : XXXX XXXX Bank Account Number : XXXX This is my third and final notice regarding the fraudulent account listed under XXXX XXXX Bank. I have disputed this account multiple times, and your reinvestigation process has failed to produce any valid documentation proving I opened or authorized this account. 
Let me be absolutely clear : this account is not mine. I have no relationship with XXXX XXXX Bank, and this entry is damaging my credit profile without justification. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, any item that can not be verified must be removed from a consumers credit report. Continued reporting of this unverifiable and fraudulent account is a direct violation of federal law. 
If this account is not deleted from my report within 15 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a report to the Federal Trade Commission ( FTC ) Pursue legal action for noncompliance with the FCRA, including damages You are now on notice. Please consider this letter your final opportunity to comply with federal law before further actions are taken. 
Included are : A copy of my government-issued ID A recent utility bill verifying my current address I demand immediate removal of this account and written confirmation of the correction

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 2025-08-31 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: NJ

Complaint narrative:
On XX/XX/year> : Account Name : XXXX XXXX Bank Account Number : XXXX This is my third and final notice regarding the fraudulent account listed under XXXX XXXX Bank. I have disputed this account multiple times, and your reinvestigation process has failed to produce any valid documentation proving I opened or authorized this account. 
Let me be absolutely clear : this account is not mine. I have no relationship with XXXX XXXX Bank, and this entry is damaging my credit profile without justification. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, any item that can not be verified must be removed from a consumers credit report. Continued reporting of this unverifiable and fraudulent account is a direct violation of federal law. 
If this account is not deleted from my report within 15 days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Submit a report to the Federal Trade Commission ( FTC ) Pursue legal action for noncompliance with the FCRA, including damages You are now on notice. Please consider this letter your final opportunity to comply with federal law before further actions are taken. 
Included are : A copy of my government-issued ID A recent utility bill verifying my current address I demand immediate removal of this account and written confirmation of the correction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
I paid them off over XXXX  days ago and they have not updated my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-31 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Charge-Off : [ XXXX, XXXX  ) It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
b'Dear CFPB Officials. \n\nRe: Capital One Bank \nChecking Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I\'m writing about my Capital One Bank checking account. On XXXX XXXX XXXX  I fell victim to a scam, and XXXX was withdrawn from my Capital one bank account via XXXX without any prior notifications. Normally, I receive notifications for transactions over XXXX  and for transfers from unknown sources.\n\nI filed a claim with Capital One Bank on the same day, but it was declined a few days later without any explanation. I called the bank again on XXXX XXXX XXXX XXXX XXXX navigating through multiple departments each time. Although my claim was briefly reinstated, it was ultimately denied by XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX without providing any reasons.\n\nI\'m respectfully requesting your immediate involvement to resolve this issue and expedite the return of the XXXX to my account. As I\'ve been a victim of a scam and not at fault, I kindly ask that you take swift action to rectify this situation and restore my funds.\n\nIf Capital One Bank decides to decline my claim, I request that they provide a written explanation to me via email or postal mail. This documentation is essential so that I can understand the reasoning behind their decision and, if necessary, pursue further action, including potential legal recourse."\n\nThanks for your cooperationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete information being reported about me through the XXXX XXXX XXXX XXXX. 

My background report from HireRight includes a record provided by XXXX XXXX XXXX XXXX that resulted in the deactivation of my XXXX XXXX  account. I firmly dispute the accuracy of this record. 

Here are the key issues : XXXX has refused to provide me with any specific details or evidence regarding the alleged safety-related reports. Despite my repeated requests, I have received no explanation of the nature of the allegation, no dates, and no supporting documentation. 

HireRight informed me that they contacted XXXX to reinvestigate, and XXXX simply verified the information without providing any substantiation. HireRight then closed my dispute, leaving me without a fair opportunity to challenge the claim. 

XXXX has confirmed that my account was deactivated solely because of this XXXX record, even though I have a clean history with XXXX  ( high ratings, no safety complaints, and thousands of completed rides ). 

This situation is causing me serious harm by preventing me from working, yet I have been given no due process or transparency. Under the Fair Credit Reporting Act ( FCRA ), I believe I am entitled to dispute inaccurate or incomplete information and to have unverified information removed. 

I respectfully request that the CFPB require XXXX and HireRight to : Provide full details and evidence of the alleged safety-related report, OR Remove the unverifiable record from my background report. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, DC XXXX Re : Debt Validation Demand XXXX & EdFinancial CFPB Complaint Nos : FTC Report Nos : XXXX ( XXXX ), XXXX ( EdFinancial ) To Whom It May Concern, I am demanding full debt validation for student loan tradelines being furnished by XXXX and EdFinancial. These accounts are being reported as if they are in active repayment, when in fact they were officially placed into deferment until XX/XX/XXXX. 

Under * * FDCPA 809 ( b ) * * ( 15 U.S.C. 1692g ) and * * FCRA 605B, 607 ( b ), and 611 * *, I am entitled to proper validation and reinvestigation. Electronic verification through e-Oscar does not satisfy the law. 

DEMAND : I require the following documentation to validate the alleged debts : 1. Original signed promissory notes and loan agreements. 
2. All deferment and forbearance records, including my XX/XX/XXXX XXXX deferment approval ( XX/XX/XXXX XX/XX/XXXX ). 
3. Full account billing and payment history justifying the claim that my loans entered repayment in XX/XX/XXXX. 
4. Written explanation of why XXXX and EdFinancial reported these loans as repayment when deferment was active until XXXX. 

Absent production of this documentation, these tradelines must be deleted as * * unverified and fraudulent * *. 

Enclosed for reference : - FTC Identity Theft/Misrepresentation Reports # XXXX ( XXXX ) and # XXXX ( EdFinancial ) - XXXX deferment approval letter ( XX/XX/XXXX ) - XXXX billing statements ( XX/XX/XXXX & XX/XX/XXXX ) - XXXX  3-bureau report ( XX/XX/XXXX, showing tradelines in repayment status ) Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: MOHELA
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Re : Complaint Update SoFi Collection Practices To Whom It May Concern, This is an update to my previously filed complaint against SoFi regarding their failure to provide written debt validation.

Despite my formal request for written validation, SoFi has continued to make * * phone calls and send emails * * about the alleged account. I have attached their latest response, which acknowledges my complaint but still fails to provide the legally required documentation.

These actions violate : - * * 15 U.S.C. 1692g ( b ) * * They must cease all collection efforts until debt validation is provided in writing.

- * * 15 U.S.C. 1692c ( c ) * * They must stop contacting me via phone and email after my written request.

I am requesting that the CFPB direct SoFi to : 1. Provide full written validation of the debt.

2. Cease all phone and email communication immediately.

3. Document all compliance measures taken to resolve these violations.

Thank you for your assistance in addressing these ongoing violations of federal law. 
I also will ask of the CFPB to take legal matters on my behalf to pursue this violation. 
I will upload prof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
On XX/XX/year>XXXX The Velocity Investment LLC filed a complaint in Superior Court of the State of California in and XXXX XXXX XXXX XXXX  XXXX XXXX -Limited Case No. XXXX regarding alleged debt. 

I did not received a prior notice to validate the debt before the filing in Court was initiated. 

On XXXX XXXX within the 30 days period I filed a response asking the Plaintiff to perform an accounting and provide Defendant with documentations that proves the amount that defendant allegedly owes. 

I believed that Velocity is pressuring the defendant to admit the debt by sending a Request for Admission, Request for Production of Documents, Special Interrogatories on XXXX XXXX. 

The Velocity Investment LLC, Did not give me the information I need to validate the alleged debt, and they have failed to informed me about my right to ask for the validation of debt. I did not received any letter. 

My Request on XXXX XXXX to for Plaintiff to Provide proper accounting and documentation were also ignored and disregarded, I received no response from them. 
I feel that I unfairly treated and my rights are violated by Velocity Investment, LLC These causes me extreme stress, and anxiety and it affects my daily work and activities since the date i received a summon from them on XX/XX/year> up to the present its been over 8 months of feeling stressed and XXXX and fear intimidated and harassed. 

This causes me to report the situation to you.

Company response to consumer: Closed with explanation