vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in my credit file. I recently reviewed my credit report and identified several discrepancies that need immediate attention. 
CONSUMER BACKGROUND I have been monitoring my credit responsibly and discovered that my personal information contains errors that could impact my creditworthiness and identity verification processes. As a consumer exercising my rights under FCRA Section 611 ( a ), I am requesting your assistance to ensure my credit file reflects accurate information. 
ITEMS REQUIRING CORRECTION 1. INCORRECT NAME VARIATION Currently Listed : XXXX A XXXX XXXX XXXX XXXX, XXXX, A XXXX, XXXX, XXXX Correct Legal Name : XXXX XXXX XXXX XXXX Consumer Note : This name variation has never been associated with my identity. I have enclosed my government-issued ID to verify my correct legal name. 

2. OUTDATED ADDRESS INFORMATION Currently Listed : XXXX XXXX XXXX XXXX, PR XXXX Current Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Consumer Note : My current residence is verified through the enclosed utility bill and bank statement. 

3. OBSOLETE EMPLOYMENT DATA Currently Listed : XXXX Date Updated : XX/XX/XXXX Current Status : No longer employed since XX/XX/XXXX Consumer Note : This employment information is outdated and no longer reflects my current situation. 

FCRA XXXX REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully request that TransUnion : XXXX. Investigate these disputed items within XXXX calendar days XXXX. Update my personal information to reflect accurate data 3. Remove any incorrect name variations from all files 4. Provide written confirmation of all changes made 5. Send an updated copy of my credit report at no charge SUPPORTING DOCUMENTATION I have enclosed the following verification documents : Government-issued photo ID ( Driver 's License/State ID ) Current utility bill showing present address Bank statement confirming current XXXX and phone Phone bill verifying current contact number

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I received an alert from TransUnion XXXX XXXX ago on XX/XX/year> that a new account was opened in my name. It was from XXXX through XXXX 's. It appears to be for a stove and some other kitchen items.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX XX/XX/year> Re : Follow-Up Request for Method of Verification Pursuant to the Fair Credit Reporting Act To Whom It May Concern, This is a formal follow-up to my previous dispute regarding the reporting of KIKOFF LENDING LLC, Account XXXX XXXX XXXX. You stated that this account had been verified. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am exercising my right to demand the method of verification used in this determination. 

Accordingly, I require that you provide the following : 1. A complete and detailed description of the procedures used in your reinvestigation.

2. The full name, mailing address, and telephone number of the furnisher of information who allegedly verified this account.

3. Copies of the original documentation provided by the furnisher that you relied upon in your verification. 

These original papers must be sent directly to my mailing address listed above, as well as to the email address you have on file for me. 

Be advised that failure to provide this information constitutes a violation of 15 U.S.C. 1681i, which requires a credit reporting agency to conduct a reasonable reinvestigation and provide the consumer with all relevant information regarding the process. If you can not produce the requested documentation, you must immediately delete this account from my credit report. 

If you fail to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals office, and explore all available legal remedies. 

I expect your full response within the statutory time limit. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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
Consumer complaint received 2025-08-23 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 1. The inquiry was not authorized XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  - XXXX  Date of inquiry : XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 Number ) XXXX proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MN

Complaint narrative:
on XX/XX/year> XXXX charges were made from XXXX account. 

The XXXX was someone in the account playing the account making charges. I switched the password to the XXXX account On XX/XX/year> I was at work I work XXXX to XXXXXXXX XXXX and I noticed notifications from an ATM. I looked on my account was XXXX different transactions for XXXX. I called Netspend to cancel the card and make a dispute. The address is at a XXXX in a different city XXXX miles away from where I live. I made a police report on Monday and sent it to Netspend. Today on XX/XX/year> I got an email saying they denied my dispute. I called the XXXX where the fraud happened and they said the police can get a scan of the ATM camera. Obviously Netspend didn't look into this correctly. I have never been to this city and was at work when this happened.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account from my report as soon as possible or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: PR

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX XXXX XXXXXXXX ) Adding to that, delete the hard inquires listed here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency.

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of this account and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the account and the inquiries, causing ongoing harm.

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to this unauthorized account When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance
premiums are higher due to credit-based pricing This has caused ongoing financial stress and embarrassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: WA

Complaint narrative:
Debt Collector Company Name : Credit Management Company Collector Representative Name ( s ) : XXXX and his " Boss '' Phone Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Type : Debt Collection / Harassment / Threats Complaint Description : I am disputing this debt as a billing error. The account in question is related to a medical visit from XX/XX/XXXX, which should be covered under my XXXX & I claim and/or XXXX  XXXX XXXX . I have contacted the hospital and insurance to correct the billing. 

Over the past few days, I have experienced repeated harassment and threatening behavior from the representative, XXXX, and a boss on a call, including : Being told I had to pay immediately to receive a 50 % discount, and that the offer would not be available in a future call. 

Being pressured with take it or leave it and told the discount would disappear if I did not pay immediately. 

On a three-way call, being told, after today the discount wont be there so you have to pay, do you understand me? I requested that they hang up, as I did not consent to continue the conversation under threat. 

Calls that lasted excessively long and attempts to intimidate me into paying without validation. I have informed the representatives that I am disputing this debt with the hospital and insurance. 

I am requesting that the office cease all collection calls and harassment until the debt is properly validated and corrected. I am documenting these interactions and will escalate with the CFPB, Washington State Attorney General, and FTC if necessary. 

Dates and Time ( XXXX  ) of Phone Calls : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Side Note : Most calls were initiated by me, but they also called me. This complaint addresses the communication tactics used, including harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I pulled my credit report an noticed inquiries I didnt authorize or make. XXXX. XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
I am filing a complaint regarding my Affirm account connected with purchases through XXXX. I had auto-payments set up, but I changed the card on file at the same time I changed my phone number. Because of this, I was unable to access my account, as the system could not verify my new number, and each attempt to log in instead tried to create a new account. 
I attempted to resolve this issue by emailing the company and using their AI chat service, but I was unable to reach a live representative or update my payment information. As a result, XXXX recurring charges have now become past due ( approximately {$180.00} plus added late fees ). It has been over XXXX  days, and I am being threatened with collections. 
I want to emphasize that I am willing and able to pay the original balance. However, I do not believe it is fair for late fees and penalties to be applied when the delay was due to account access issues beyond my control. This situation has also negatively affected my credit, which I am seeking to avoid. 
I am requesting that Affirm reverse the late fees and penalties so that I can pay the original balance and bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I just wanted to express concerns I had regarding XXXX and their misleading advertising practices where in they advertise fixed rate students loans between beginning at XXXX XXXX  going up to XXXX XXXX XXXXXXXX. And yet they are unable or unwilling to disclose how they determine who qualifies for the lower interest rate. I myself have a XXXX XXXX of XXXX, have been at the same job for XXXX XXXX  where I make $ XXXX yearly with a XXXX and rental income and yet somehow with XXXX I would only qualify for an interest rate above XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I have asked for legal validation of debt and received nothing that was listed in my dispute letter. I only received two, assuming debt statements. Also, a recent transaction ( XXXX ) for the amount of ( {$180.00} ), I have no idea what this was for. The debt in question was purchased on XX/XX/XXXX, which would be past the statute of limitations. I have sent a cease and desist letter to Midland Management, who refuse to acknowledge. I do not see this on my credit report and do not want to see it. I demand all the following, and did not receive : Proof of my agreement to pay the original creditor. 
A copy of the final account statement issued by the original creditor. 
A breakdown of the total amount due, showing principal, interest, and other charges. 
For all other charges, the date of and basis for each charge. 
Description of the chain of titles from the original creditor to the present debt owner, including the date of assignment. 
Whether the three-year statute of limitations has expired ; and Records reflecting the amount and date of any prior settlement agreement reached regarding the debt. 
Proof of a transaction XX/XX/XXXX $ XXXX disputed as if it was not a charge made or authorized.

Company response to consumer: Closed with explanation