vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 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: NV

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 identity 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 completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: NV

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 identity 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 completeandaccurate.

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 2025-11-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Olympus1 LLC
State: CA

Complaint narrative:
I unroll to consuladation agency to help me my 3 credit card and they dont pay all of them the pay 1 credit card and half for the other credit card but I already finished pay the amount then they ask me to take loan to them to paid off my remaining balance I said I already done all the amount of 3 credit card card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
This is a message I received on XX/XX/year>. Since then they have been sending emails every week. 

This is a formal notice regarding your outstanding {$1200.00} debt owed to Speedy cash payday Loan. Failure to promptly settle this amount may necessitate legal action. Immediate contact is imperative to resolve this matter and avoid further legal ramifications. 

For inquiries or clarification, reach out to XXXX. 

Your swift attention to this issue is expected. 

Best, Account Services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Regarding SoFis Response ( Case # XXXX ) SoFis newest response is incomplete, evasive, and does not address the issues raised in this complaint. Their message states that they already provided a resolution in a previous case ( # XXXX ), but this is inaccurate and misleading. My new complaint includes multiple concerns that SoFi has never addressed, including : 1. SoFis XX/XX/year> CFPB response introduced new contradictory statements, including a fabricated 40-month stop-payment disclosure that was never provided to me on any call. This appears to be a retroactive justification and was not mentioned in any prior correspondence. 

2. SoFi continues to misrepresent XXXX Money by SoFi as a separate product that I do not hold, even though XXXX Wallet displays my SoFi account information and XXXX has confirmed that the data originates from SoFi. SoFi has never addressed this misrepresentation despite multiple complaints. 

3. SoFi still has not explained why the XX/XX/year> stop-payment request was never activated even though their agent confirmed it would be effective for 4090 days. Their responses contradict each other : One agent said the block was active for 4090 days. 
Another agent on XX/XX/XXXX said the request was never activated. 
On XX/XX/XXXX, SoFi emailed that they could not stop payment due to billing type. 
In later responses, they claimed the stop payment was successful, which conflicts with the previous statements and the fact that the request was not activated. 

4. SoFi has repeatedly shifted responsibility to XXXX even though the issue lies with SoFis account-linking and data integration. They have refused to coordinate with their co-branded partner or acknowledge their role in the access issues. 

5. SoFis newest response ignores all of these points and attempts to close the matter without providing any explanation or correction. Their refusal to address new evidence shows a pattern of misleading responses to both me and the CFPB.

For these reasons, SoFis response should not be considered resolved. I request : Continued review of this complaint, A requirement that SoFi answer the new issues raised, CFPB oversight regarding SoFis contradictory and potentially deceptive statements, And investigation into whether SoFis conduct violates the Electronic Fund Transfer Act ( EFTA ), Regulation E, the Consumer Financial Protection Act ( UDAAP ), and the California Consumer Legal Remedies Act ( CLRA ).

SoFi has not addressed the concerns in this new complaint, and the case should remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I obtained an auto loan with this lender on XX/XX/XXXX at a 21 % APR with a monthly payment of {$430.00}. My income was not verified at the time of origination. I later experienced a documented financial hardship and requested forbearance, which was denied without a proper written explanation. 

In XXXX, my account began showing past due and was later reported to the credit bureaus as Closed Profit and Loss Write-Off / Charge-Off. Despite this, the lenders online portal continues to show an active balance, past-due amounts, and that the vehicle has been assigned for repossession. 

This is contradictory and misleading. The lender is treating the account as a charged-off loss for credit reporting purposes while simultaneously attempting to enforce the loan as if it is still fully active.

Additionally, a warranty partner repair facility connected to this loan attempted to charge me nearly double what the warranty allowed and kept my vehicle for approximately one month without performing the repairs. This resulted in financial harm and loss of use of the vehicle.

I have formally disputed the account and sent a certified legal demand requesting documentation of the charge-off, proof of post-charge-off repossession authority, full accounting, and income verification. I am concerned the lender is engaging in improper post-charge-off enforcement, inaccurate credit reporting, and unfair servicing practices.

I am requesting : 1. Investigation of the lenders contradictory charge-off and collection activity 2. Correction or deletion of inaccurate credit reporting 3. A halt to repossession activity 4. Resolution of the debt and XXXX status, including XXXX release if enforcement is unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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 recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-30 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
I have received repeated automated text messages often five or more per day attempting to collect alleged debts related to disputed accounts. These messages have continued despite written disputes, lack of validation, and no documented consent to be contacted by text. 

No lawful validation has been provided for the alleged debt. 

These communications constitute harassment under FDCPA 1692d, continued collection without validation under 1692g ( b ), and automated contact violations under the TCPA. 

I have documented repeated examples of these text messages which I attached to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Recently XXXX and dismissed from work, forced to XXXX  with small XXXX  XXXX  of XXXX  monthly. This company and their legal dept attempting to sue me for my immune XXXX  XXXX  income.

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 2025-11-30 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX will not remove old late payment accounts from 2013 off my report and it is affecting me getting my fha mortgage refinanced plz help

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 2025-11-30 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: PA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/2024XX/XX/year>

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NY

Complaint narrative:
XXXX Calls me incessantly non stop without ever leaving any info or messages. I have gone to website and demanded they stop contacting me and sent text to stop contacting me to above number. If you call back they say they are credit control debt collection and go to website but website lists phone numbers very different from the number they keep calling me at. Website does not list anywhere the number they harrass me from. I filled out form on website to stop contact me but they still do. I have no business with them. I also providing an example of what they do several times DAILY to me : they will call five or six time in one to two minutes, keep hanging up, then do it again and again

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 2025-11-30 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: Chime Financial Inc
State: NY

Complaint narrative:
There have been fraudulent activities on my Chime banking account, starting on XX/XX/year>, after Chime had me change my password and after I locked both my checking account and my credit builder account, They are still letting these companies take my money. The companies names are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have taken all my SSI and SS money. It was almost XXXX XXXX dollars total between these companies. I have already spoke with Chime banking several times and to their fraud unit. The XXXX transaction from XXXX XXXX for XXXX dollars was investigated and it was denied, I did not make any of these transactions at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 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: VA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief