vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX and XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-11-19 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:
I am disputing multiple inaccurate, conflicting, and unverifiable items on my credit reports with Experian, Equifax, and TransUnion, including but not limited to the XXXX XXXX XXXX account, which is inaccurately reported as late closed with a {$0.00} balance ; the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, also reported as late closed with a {$0.00} balance ; and several charge-offs including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which show inconsistent balances across bureaus. The XXXX XXXX XXXX * * * * * * * * account is reported as a {$12000.00} charge-off without a 1099-C. In addition, multiple inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXXXX/XX/XXXX are inaccurately reported. These reporting errors violate my rights under the Fair Credit Reporting Act, including 1681e ( b ) requiring maximum possible accuracy, 1681i ( a ) entitling me to reinvestigation of disputed information, 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligating furnishers to report accurate information and correct errors, 604 ( a ) ( 3 ) ( A ) and 1681b ( f ) regarding permissible purpose and authorization for inquiries, 1681c for removal of obsolete negative information, 1681j and 1681k for accurate consumer identification and address reporting, and give rise to civil liability under 1681n and 1681o for willful and negligent violations. The inconsistencies and unverifiable information have caused demonstrable harm to my creditworthiness and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am disputing multiple inaccurate, conflicting, and unverifiable items on my credit reports with Experian, Equifax, and TransUnion, including but not limited to the XXXX XXXX XXXX account, which is inaccurately reported as late closed with a {$0.00} balance ; the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account, also reported as late closed with a {$0.00} balance ; and several charge-offs including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which show inconsistent balances across bureaus. The XXXX XXXX XXXX * * * * * * * * account is reported as a {$12000.00} charge-off without a 1099-C. In addition, multiple inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXXXX/XX/XXXX are inaccurately reported. These reporting errors violate my rights under the Fair Credit Reporting Act, including 1681e ( b ) requiring maximum possible accuracy, 1681i ( a ) entitling me to reinvestigation of disputed information, 1681s-2 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligating furnishers to report accurate information and correct errors, 604 ( a ) ( 3 ) ( A ) and 1681b ( f ) regarding permissible purpose and authorization for inquiries, 1681c for removal of obsolete negative information, 1681j and 1681k for accurate consumer identification and address reporting, and give rise to civil liability under 1681n and 1681o for willful and negligent violations. The inconsistencies and unverifiable information have caused demonstrable harm to my creditworthiness and financial reputation.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Group Inc.
State: OR

Complaint narrative:
I bought a used vehicle made payments the loan company did not apply the payments against my balance accurately. They repossessed vehicle and continues to report the monthly bill, but account is charged off. 
I've disputed with XXXX, XXXX  and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I am formally disputing inaccurate and unverified information that is being reported on my credit file. The information in question does not reflect my actual payment history and has not been properly verified by the furnisher. I am requesting a full investigation under the FCRA. 

Please review the dates, reporting details, and actions taken. The information appears incorrect and incomplete, and I have taken steps to resolve it directly, but the issue remains unresolved. I am therefore requesting that the inaccurate and unverified information be deleted from my credit report.

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: UNITED AUTO ACCEPTANCE
State: GA

Complaint narrative:
* Complaint Details : * I want to report issues with United Auto Acceptance 's debt collection practices. Despite telling them I'm at work, they continue calling during work hours. I've documented : - XX/XX/year> : Employee ( XXXX ) threatened to repo my vehicle and send a " sterner '' employee after I hung up while at work. 
- XX/XX/year> : Received a concerning voicemail from United Auto Acceptance while at work. 
- Told their employee ( XXXX XXXX ) I felt disrespected by the voicemail and hung up because I was at work. 
- They called my friend after I hung up because I was working. 
- Called 5 times to speak with the manager ; manager 's assistant said he wasn't in, but another employee said he was there. 
- Assistant confirmed my vehicle was put in repo department that day. 

* What I've Done : * - Asked them to stop work calls. 
- Tried to resolve with the company. 

* What I Want : * - United Auto Acceptance to stop calling me at work. 
- Confirmation they'll update my account. 
- No further harassment or threats. 
- Vehicle repossession status addressed. 
- Debt verification.

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 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
When I contacted SoFi Bank for hardship assistance, their Senior Collections Representative, XXXX, mocked and belittled me. She repeated my words back in a sarcastic tone, asked life or death? when I explained my stress, and said didnt you say you get unemployment? as if to shame me for being out of work. That conduct was abusive and unprofessional. 

Under Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), SoFi is prohibited from engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Using a consumers disclosed hardship information to ridicule them violates this law.

SoFi later denied any wrongdoing in a boiler-plate response, while continuing to add fees and raise my minimum payment to over {$400.00}. Their behavior shows a complete disregard for consumer protection laws and good-faith hardship communication. I expect the CFPB to review SoFis internal handling of this matter and hold them accountable for abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
Subject : Unauthorized Withdrawal and Violation of Protected Funds Complaint : I am submitting a complaint against Chime Bank for unauthorized withdrawals from my account. On XX/XX/XXXX for {$140.00} and then again for XXXX dollars and then again on XXXX XXXX $ XXXXChime withdrew funds that are part of a bankruptcy estate and are protected under the automatic stay. These withdrawals were not from qualifying deposits and are therefore illegal under federal law, including XXXX XXXX 

Additionally, Chime has refused to provide an adequate explanation or return these funds despite my requests. This has caused financial harm and unnecessary stress. I request that the CFPB investigate Chime for these unauthorized withdrawals and ensure that my protected funds are returned immediately. 

Attached are documents showing the withdrawals and the bankruptcy filing for reference. Also - he fence should be returned because this was not a qualifying deposit under their own terms and agreement. 
Chime withdrew funds from my account in violation of both federal law and its own agreement XXXX times totaling {$200.00}! 

The money Chime took was NOT a qualifying direct deposit under the XXXX XXXX of XXXX XXXX. It was personal money sent to me by my son for groceries. Chime is only permitted to debit from qualifying direct deposits ( employer, payroll processor, gig payer, or government benefits ). 

Because this was a non-qualifying deposit, Chime had no authorization to take these funds. This makes the withdrawal an unauthorized electronic fund transfer under XXXX XXXX  ( XXXX XXXX XXXX ).

I requested a XXXX  XXXX  dispute and provisional credit through Chime, but they failed to address the issue.

I am requesting the CFPB order Chime and its partner bank ( The XXXX XXXX, XXXX. ) to : XXXX. Return the funds immediately XXXX. Correct all unauthorized activity XXXX Confirm compliance with XXXXXXXX XXXX XXXX Prevent further unauthorized debits As well as being a clear violation of the automatic stay in bankruptcy and of federal consumer protection law. I called the number shown in the exhibit below, they had me on the phone for over an hour and would not give me a phone number to the legal department, or an email to the legal department, or an address that I could send a written complaint to. I had already sent an email to their normal chime support as directed to do so, and it just came back again with their phone number again. So it is a giant circle that just takes you back-and-forth and back-and-forth and back-and-forth for hours and nothing gets accomplished and you have to explain it to XXXX to XXXX different people who apparently none of them are authorized to do their job And put the funds back in my account despite it being illegal in XXXX different ways. I finally gave up and asked XXXX how to handle the situation and they said to take it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Between late XXXX of XXXX  to early XXXX of XXXX, my SoFi bank account suffered several unauthorized withdrawals after my debit card was linked without my consent to a XXXX XXXX account that was not in my name. I did not approve or authorize this link. I was experiencing health crisis at the time and allowed someone with access to my phone to help me with scheduling doctors appointment etc. The individual I believe initiated these transactions because the XXXX XXXX  account is in her name. She even joked about how sometimes she can use my Face ID while I was half awake or asleep. 
The withdrawals occurred first on XX/XX/year> for {$490.00}, on XX/XX/year> {$450.00} was transferred out on XX/XX/year> {$1.00} and {$300.00} was transferred using XXXX XXXX  bringing the total of the unauthorized transaction to {$1200.00}. Upon discovering the missing funds I immediately contacted my bank to dispute the transactions. I explained I did not recognize the XXXX XXXX transactions because I DO NOT HAVE A XXXX XXXX ACCOUNT, and never gave permission for my card to be linked to XXXX XXXX or for funds to be transferred. 
Despite these facts, SoFi bank denied my dispute and my appeal. They stated that no error occurred so claim was denied. The error occurred when SoFi bank allowed the link of my debit card to XXXX XXXX that was in someone elses name I believe SoFi failed in its duty to protect my account, as the XXXX XXXX accounts name did not match my atm debit card and the linking of my debit card should have been flagged as suspicious. I trusted SoFi bank to have adequate security protocols to prevent such unauthorized transfers. Seems that SoFi bank fail at just checking the name if it matches before allowing the Link of my debit card to someone elses XXXX XXXX account. 
My attempts to recover my funds through both SoFi bank and XXXX XXXX have been unsuccessful. I am requesting your assistance to investigate this matter and to hold the involved companies accountable under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Shepherd Outsourcing, LLC
State: CA

Complaint narrative:
I keep getting calls and about. I need to pay this debt or Im gon na be arrested at XXXX XXXX. Im getting calls constantly throughout the day and night. I noticed they keep reposting this on my credit report. I noticed that that was sold to another collector and then the new collection company keeps posting it on my credit like it just happened, which is legal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. It shows late payments on an account that was, in fact, paid on time. The consumer reporting agencies are required to report all information with complete accuracy. This account has not been late on payments. 

I have attached a copy of my report to this complaint, showing the incorrect late payment entries on the following dates : ( late XXXX, XXXX  XXXX, XXXX ) I am now requesting that you investigate and provide verifiable proof and records showing that I made any late payments. If this information can not be verified, I am demanding that these payments be updated to paid on time immediately. 

Thank you for your understanding and 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 2025-11-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


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

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

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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX CARD # XXXX XX/XX/year> - {$7800.00} XXXX # XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX {$400.00}

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