vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: Early Warning Services, LLC
State: TN

Complaint narrative:
I submitted lawful affidavits to this company demanding the removal of all unauthorized information, a permanent freeze on my account and data, and a full revocation of any presumed consent to collect, store, or report my personal information. 

I am the Secured Party Creditor over the private estate associated with this account. This company has no verified contract, no valid consent, and no lawful authority to access or use my data under 15 U.S.C. 1681b, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ), and applicable trust law.

I have demanded proof of authority or contract, which has not been provided. I am now escalating to the CFPB for enforcement and resolution. Affidavits documenting my demands are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. 

XXXX XXXX XXXX is a debt collector for the original creditor XXXX XXXX. XXXX 's XXXX. 
I believe either XXXX XXXX XXXX, Experian or Transunion might be re-aging the account. I show two different balance updates. On Experian they have the date of XX/XX/year>. On Transunion account update is XXXX. 
Also there is a XXXX  listed on every month in the Experian account. I thought that the " XXXX '' should turn to a {$0.00}. Transunion is showing it as an open account.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian, I have never lived at the following addresses, and you are the only bureau reporting these incorrect addresses on MY credit report! This is a violation of my rights under the Fair Credit Reporting Act! I demand these addresses be removed immediately! 
Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. 1. These inquiries have no permissible purpose to be on my report. Delete this inquiry due to violation of 15 US C 1681B. XXXX  ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unlawful Reinsertion of Previously Deleted XXXX XXXX  Account Without Proper Notice Violation of FCRA 611 ( a ) ( 5 ) ( B ) To : Consumer Financial Protection Bureau ( CFPB ) Against : TransUnion and Experian I am submitting this complaint regarding Sham Practices repeatedly conducted by Experian and TransUnion against consumers. A serious violation of the Fair Credit Reporting Act ( FCRA ) by both TransUnion and Experian. A XXXX XXXX  account ( Account Number : XXXX ) that had previously been deleted from my credit report after a dispute has now been reinserted without proper notice or verification, in clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). 

Details of the Violation : According to FCRA 611 ( a ) ( 5 ) ( B ) : 1. Certification of Accuracy [ 611 ( a ) ( 5 ) ( B ) ( i ) ] : Deleted information may not be reinserted into a consumers file unless the furnisher of the information certifies that the information is complete and accurate. I received no indication that such certification was obtained before the reinsertion of this XXXX account. 
2. Notice to Consumer [ 611 ( a ) ( 5 ) ( B ) ( ii ) ] : I was not notified within XXXX business days ( or any timeframe ) that the previously deleted XXXX XXXX  account was reinserted into my credit file by either TransUnion or Experian. This lack of communication is a direct violation of federal law. 
3. Additional Information [ 611 ( a ) ( 5 ) ( B ) ( iii ) ] : I did not receive any of the required details such as : A statement that the disputed information was reinserted. 
The business name, address, or contact information of the furnisher ( XXXX XXXX  ). 
A notice informing me of my right to add a consumer statement disputing the accuracy of the information. 


4. 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Description of Reinvestigation Procedure : Upon request, the CRA must provide a description of the reinvestigation procedure within XXXX  days. When I inquired, I did not receive any timely or sufficient response describing the procedures taken before reinserting this account. 

None of this information was provided to me in connection with the reinsertion of the XXXX XXXX  account.

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 2025-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unlawful Reinsertion of Previously Deleted XXXX XXXX  Account Without Proper Notice Violation of FCRA 611 ( a ) ( 5 ) ( B ) To : Consumer Financial Protection Bureau ( CFPB ) Against : TransUnion and Experian I am submitting this complaint regarding Sham Practices repeatedly conducted by Experian and TransUnion against consumers. A serious violation of the Fair Credit Reporting Act ( FCRA ) by both TransUnion and Experian. A XXXX XXXX  account ( Account Number : XXXX ) that had previously been deleted from my credit report after a dispute has now been reinserted without proper notice or verification, in clear violation of FCRA Section 611 ( a ) ( 5 ) ( B ). 

Details of the Violation : According to FCRA 611 ( a ) ( 5 ) ( B ) : 1. Certification of Accuracy [ 611 ( a ) ( 5 ) ( B ) ( i ) ] : Deleted information may not be reinserted into a consumers file unless the furnisher of the information certifies that the information is complete and accurate. I received no indication that such certification was obtained before the reinsertion of this XXXX account. 
2. Notice to Consumer [ 611 ( a ) ( 5 ) ( B ) ( ii ) ] : I was not notified within XXXX business days ( or any timeframe ) that the previously deleted XXXX XXXX  account was reinserted into my credit file by either TransUnion or Experian. This lack of communication is a direct violation of federal law. 
3. Additional Information [ 611 ( a ) ( 5 ) ( B ) ( iii ) ] : I did not receive any of the required details such as : A statement that the disputed information was reinserted. 
The business name, address, or contact information of the furnisher ( XXXX XXXX  ). 
A notice informing me of my right to add a consumer statement disputing the accuracy of the information. 


4. 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Description of Reinvestigation Procedure : Upon request, the CRA must provide a description of the reinvestigation procedure within XXXX  days. When I inquired, I did not receive any timely or sufficient response describing the procedures taken before reinserting this account. 

None of this information was provided to me in connection with the reinsertion of the XXXX XXXX  account.

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 2025-04-14 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: AL

Complaint narrative:
I have had someone using my information online to open accounts and steal from me and reporting the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
I have had someone using my information online to open accounts and steal from me and reporting the wrong address.

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 2025-04-14 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
am requesting the removal of specific information from my credit file. The items that require deletion wit be attached in a Word document. I have experienced identity theft. I have several accounts and Inquires on my credit report that laid not authorize or apply for l request the removal of these items to ensure that my credit report reflects only accurate information. I have formally notified the Federal Trade Commission regarding the theft of my identity and have included copies of the report for your review. l request the prompt removal of these items from my credit report. I request that you remove this information from my credit report, in accordance with section 605B of the fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Fig Tech Inc.
State: TX

Complaint narrative:
am requesting the removal of specific information from my credit file. The items that require deletion wit be attached in a Word document. I have experienced identity theft. I have several accounts and Inquires on my credit report that laid not authorize or apply for l request the removal of these items to ensure that my credit report reflects only accurate information. I have formally notified the Federal Trade Commission regarding the theft of my identity and have included copies of the report for your review. l request the prompt removal of these items from my credit report. I request that you remove this information from my credit report, in accordance with section 605B of the fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Experian, This account was charged off on XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following account : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CO

Complaint narrative:
# # CFPB Complaint Summary : Key Issues with SoFi Banking XXXX XXXX XXXX faces XXXX primary issues with SoFi requiring CFPB intervention : **1. Failure to Properly Investigate Fraudulent Transactions** - **Unauthorized Withdrawals** : {$8000.00} stolen from Christophers account between March 1015, 2025, while he was incarcerated.

- **Regulation E Violations** : SoFi denied initial fraud claims despite : - A police report confirming the theft - Clear evidence of incarceration ( documented alibi ) - Timely fraud reporting upon release - **Appeal Delays** : SoFis appeal process extends resolution to XX/XX/year>, prolonging financial harm. 

XXXX. Mishandling of Auto Loan Payment** - **Payment Processing Failure** : SoFi debited {$15000.00} on XX/XX/year>, but : - Sent funds to an incorrect XXXX Financial address - Used slow payment methods, delaying credit posting - **Resulting Harm** : - Improper vehicle repossession by XXXX - Loss of personal property in the repossessed XXXX - Continued homelessness due to lack of transportation - Investigate SoFis compliance with : - **Regulation E** ( fraud investigation requirements ) - **UDAAP** ( unfair/deceptive acts in payment processing ) - Require SoFi to : - Immediately credit the {$8000.00} fraud claim - Compensate for repossession-related losses - Audit payment processing protocols This summary highlights systemic failures in fraud resolution and payment administration, warranting CFPB oversight to prevent similar consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
This isnt my loan and Ive reached out to the company through credit bureaus and directly but the company hasnt deleted this account and refuse to remove this negative information from my credit report also this company reported 3 different information over all the credit bureaus.The company continues to report negative information and ignore me directly because the loan is being paid so nobody actually cares that it should be updated to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX according to 15 U.S. code 1681s-2 they have charge off the account XXXX. But written off at XXXX inaccurate information

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 2025-04-14 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: MS

Complaint narrative:
I am filing a complaint because my creditor is reporting a collection on my account ending in XXXX that is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the collection account remains without proper validation or documentation. Under 15 USC 1681 S 2A furnishers must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Nelnet, Inc.
State: MS

Complaint narrative:
My personal and financial data was compromised violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am writing to file a formal complaint against FirstBank, located in XXXX XXXX, regarding what I believe to be predatory lending practices and mishandling of our construction loan. 
In XX/XX/XXXX, my husband and I were approved for a construction loan in the amount of {>= $1,000,000}. At the time of approval, our debt-to-income ( DTI ) ratio was over 90 %, which we later learned should have disqualified us from receiving such a large loan. This raises serious concerns about FirstBank 's underwriting process and whether they knowingly approved a loan we could not afford. 
In XX/XX/XXXX, our original loan XXXX was terminated. We were assigned a new loan XXXX in XX/XX/XXXX, who immediately questioned whether we could afford the loan and requested a pre-approval letter. A different mortgage company informed us that we only qualified for {$750000.00}, highlighting a significant discrepancy from the original approval. 
Despite following instructions to spend the remainder of the loan to determine how much we needed to complete the construction, the account was not funded until XX/XX/XXXX, even though we submitted receipts in XX/XX/XXXX. This delay caused severe financial strain and halted work with contractors. 
From XX/XX/XXXX through XX/XX/XXXX, we were burdened with : - $ XXXX rent to American Homes XXXX XXXX $ XXXX to FirstBank, a $ XXXX to Cadence Bank, all while only bringing home $ XXXX in income. 
To stay afloat, we had to : - Sell {$28000.00} in employer stock, - Withdraw {$18000.00} from an IRA, - Take a {$10000.00} XXXX ( k ) loan, - Borrow {$160000.00} against XXXX investment property and {$150000.00} against another, - Max out XXXX credit cards ( {$45000.00} and {$27000.00} balances, respectively ). 
Our credit scores have dropped significantly ( mine from XXXX to XXXX ), and we've faced multiple loan denials ( car loan in XX/XX/XXXX, another loan in XX/XX/XXXX for my husband ). 
There is also a discrepancy on our credit report showing an incorrect FirstBank monthly payment of {$23000.00}, adding further damage to our financial standing. 
We believe FirstBank : - Engaged in predatory lending by approving a loan far beyond our means, - Mishandled our loan account and disbursal process, causing project delays, - Failed in duty of care by not reassessing our financial health post-initial approval

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 2025-04-14 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:
The credit company did not fixed the problem after several times that I submitted a dispute for missing information from the original company report the negative report. It been 7 years since it appeared on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: FL

Complaint narrative:
I rented a vehicle from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. At the time of return, there was no mention of any damage, and I was not informed of any issues by XXXX XXXX staff. I received no follow-up communication indicating any problems after the rental was completed. 

Nearly a year later, in XX/XX/XXXX, I was contacted by Viking Client Services, a third-party collections agency, claiming that I caused damage to the vehicle during my rental. This was the first time I had heard of any such allegation. I do not recall causing any damage and was not presented with any documentation at the time of return. 

I promptly requested proof of the alleged damage, including photos, inspection reports, repair records, and any evidence that the damage occurred while the vehicle was in my possession. Despite following up, Viking Client Services has not responded or provided any documentation to support their claim. 

This delay of nearly a year, combined with the lack of communication and documentation, raises serious concerns about the validity of the claim and my ability to fairly respond. I believe this is an unjust and possibly erroneous collection attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TN

Complaint narrative:
I recently reviewed my credit report and I recognized fraudulent activity. There are multiple accounts on my report that I do not recognize.

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