vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I had some fraudulent activity that had taken place with my identity and accounts, which led me to take a deeper look into my credit reports. I took the time out to contact all companies and accounts which led to everything being rectified which was a surprise. While going over my reports I noticed XXXX late payment that should have not been there at all. I have had a perfect payment history since the start of my credit journey which is of upmost importance to me and essential to every move in my life. I have many accounts as you will see and I have always made it my priority not to tarnish or blemish my credit payment history. I have contacted XXXX XXXX myself and they have told me that it should have never been reported and that I have never had a delinquent payment. I submitted a complaint through XXXX XXXX and my dispute was approved my credit score thus increased by XXXX points. The dilemma here is that the negative remark of a missed payment should have never been on my credit report in the first place. The information on the credit bureau platform is very crucial in decision making for any aspect in ones daily choices. I have always constantly upheld my responsibility for prompt payment history and I will appreciate it if this was investigated to show a more accurate profile of my payment history. I contacted Transunion that it was approved but the information is still reflecting on my credit report. They Apologized and I was told to resubmit the dispute.

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 2025-04-16 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: NC

Complaint narrative:
I just recently looked at my trans union credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b CFNA Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX via XXXX XXXX XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  Requested On XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-04-16 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: IL

Complaint narrative:
I received a notice on XX/XX/XXXX, approximately, stating there was suspicious activity on my account for {$290.00} was the transaction me. I pushed " no, '' at which point it prompted me to call customer service so I did. 
I was told that XXXX attempts had been made to withdraw {$290.00} by a merchant out of XXXX, named XXXX. That XXXX attempts were blocked due to looking suspicious but the XXXX  one had slid through. I told them it wasn't me and to stop the payment. They told me because it was already pending I had to wait for it to post before they could do anything. I waited for it to post and disputed it, like they advised me to do and then they denied my dispute. 
The reasons they gave were I had deposited the money not long before it was withdrawn, there was no nsf charges ( like the company knew what to take... but they tried to take it XXXX times just XXXX were blocked or i would have had nsf charges ) and that there was no suspicious activity on my account. ( They were who alerted me that it was suspicious activity to begin with and denied the other XXXX attempts because they were suspicious ) I appealed their denial after filing a police report. The police couldn't verify the company even exists after trying to contact them. The bank has told me the appeal has been filed, then the next person I spoke with says the dispute is closed but they will put something in to reopen it, then the next person says it's is still closed and wont be reopened until i provide new evidence. I can't get a straight answer out of anyone and I am not sure why it is on me to provide proof. I did NOT give my money away, they did. 
Furthermore, on the sofi debit card agreement it states that if it takes longer than XXXX  days for the bank to investigate and resolve the issue the money will be put back in my account so I have use of the money during that time. This issue has been going on for over XXXX  days and I have yet to receive my money back. 
From the start, I have told them this transaction was not me. I clicked " no it is not me '' to their notice of possible suspicious activity and they let my money go to this unknown company anyway. I have done everything they asked and still they have not returned my money. Even the police can't confirm the company exists, and even after being informed of this they still haven't returned my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX FEB-RETAIL XXXX * * * * * * * XXXX XXXX * * * * * * Balance Owed : {$24000.00} XXXX XXXX * * * * * * Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX * * Balance Owed : {$990.00} XXXX XXXX * Balance Owed : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, NC XXXX FEB-RETAIL XXXX * * * * * * * XXXX XXXX * * * * * * Balance Owed : {$24000.00} XXXX XXXX * * * * * * Balance Owed : {$9300.00} XXXX XXXX XXXX  XXXX * * Balance Owed : {$990.00} XXXX XXXX * Balance Owed : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
Bank of America put me o collect agent for debit on XXXX credit card that came from a pandemic that my reduced me and work and cut off my paycheck and XXXX make me on squeeze finance situation and have decided move out and do same thing else get another job that became a independent XXXX for big logistics company XXXX XXXX that pay us really bad and make get and deep financial situation and affect all that stuck on my bills trying to resolve best way l can

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report multiple unauthorized inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I contacted the creditors associated with the inquiries listed below, and each confirmed that they do not have any signed credit application, written authorization, or permissible purpose to justify pulling my credit. Despite my formal dispute, TransUnion has failed to conduct a reasonable investigation and continues to report these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I specifically requested a manual reinvestigation and original documentation of authorization. TransUnion did not provide any such documentation and likely relied on the EOSCAR system for automated verification, which is legally insufficient under case law and recent CFPB enforcement actions.

This violates multiple provisions of the FCRA, including : 1681b No permissible purpose for accessing my credit report.

1681i ( a ) ( 5 ) Failure to delete unverifiable information after a formal dispute. 1681g Failure to provide verification or documentation supporting the in
quiries.

1681s-2 ( b ) Failure of furnishers to ensure data is accurate and authorized.

1681c-1 Failure to block or remove inquiries that may relate to unauthorized access or fraud.

TransUnions continued reporting of these inquiries without any lawful basis exposes me to reputational harm and credit score damage.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( b ). XXXX tracking confirms it was delivered on XX/XX/year>. As of XX/XX/year>, the company has failed to provide any response, documentation, or validation. 

Under federal law, all collection activity must cease until the alleged debt is validated. Their failure to respond within the XXXX period constitutes a direct violation of XXXX ( b ). Continued reporting to the credit bureaus without proper validation also violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. 

This noncompliance warrants immediate regulatory review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had {$6100.00} stolen from my bank account. Chase bank is giving me the absolute run around. 

My phone and wallet were stolen, I have a police report everything was taken from me from my bank accounts to my social media. Literally everything my whole entire life. 

Chase bank is not giving me a solution. They said it was authorized but so simply fail to understand my belongings were stolen. 

They have failed to get in touch with me to update me on the status of the investigation. Ive called over XXXX times. They even failed to send me out a new debit card after they told me it was done. I waited 10 days and still nothing. 

I am beyond frustrated and their team absolutely needs to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am writing to formally address several issues I have encountered with the credit bureau regarding discrepancies on my credit report. These issues include inaccurate accounts, incorrect account listings, erroneous credit reporting, inaccurate payment history and billing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law.

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 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:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation XXXXb of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
b"It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation XXXXb of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.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

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 2025-04-16 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: PA

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

Company 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