vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
What happened : My private student loan was originally serviced by XXXX and recently transferred to SoFi without advance notice. Since the transfer, SoFi is reporting an outstanding balance of {$64000.00} and a monthly payment of {$650.00} due on XX/XX/year>. However, my borrower portal and prior records show a {$0.00} balance due, and I believe the information transferred from XXXX to SoFi may be incomplete or incorrect.

I have contacted SoFi and requested an investigation, but the information they provided is inconsistent and does not match the balance displayed on my account. I am concerned that the loan transfer was not handled properly and that my account information ( including payment history and payoff records ) may not have been accurately carried over. 

What I am disputing : The reported balance of {$64000.00}, which I believe is incorrect. 

The monthly payment amount reported by SoFi. 

The lack of complete transfer documentation from XXXX to SoFi.

The absence of accurate payment history and a clear accounting of interest and fees. 

The failure to provide verification of the loan transfer, including the balance at the time of transfer. 

What I have asked the company to do : I requested that SoFi : Provide a full and complete payment history from the start of the loan through the present. 

Provide a detailed breakdown of the current balance, including principal, interest, and any fees. 

Provide official documentation showing the loan transfer from XXXX to SoFi, including the transfer date and the balance at the time. 

Correct the inaccurate balance and update my account to reflect accurate information. 

Suspend any negative credit reporting related to this disputed amount. 

How this has affected me : The conflicting information has caused significant confusion about my financial standing. I am concerned about the risk of inaccurate credit reporting, potential late payment claims, and long-term financial consequences. I am unable to verify whether the balance reported by SoFi is valid because critical transfer and payment data is missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
After reviewing my credit reports, I discovered numerous negative accounts that are being reported inaccurately and without the proper documentation required under the Fair Credit Reporting Act. Several accounts from 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 are showing late payments, charge-offs, or collection statuses without any supporting evidence. None of these furnishers have provided the original contracts, billing statements, payment histories, itemized balances, charge-off calculations, or proof of the date of first delinquency. Some accounts contain long strings of identical CO codes, ND gaps, or inconsistent delinquency patterns that indicate inaccurate or incomplete data furnishing. Additionally, all collection accounts reported by XXXX XXXX and XXXX XXXX XXXX lack chain-of-title documentation, assignment records, or proof that I legally owe the alleged balances. I disputed these items with the credit bureaus, but they were marked as verified even though none of the furnishers produced documentation to support their reporting. This has significantly harmed my credit profile and limited my access to fair lending opportunities.

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NV

Complaint narrative:
There has been alerts on my credit report for a fraudulent collection of XXXX from XXXX XXXX XXXX I have had to remove it from my report several times via investigations through the credit bureau XXXX, XXXX and XXXX. Some how this time around XXXX is choosing to ignore my creditable dispute. Obviously one has to reside within the state in order to get GA, I have not lived there since the mid 1990s. I have not received benefits that I recall since prior to my enlistment in the military which was early 90s. The response to the different credit bureaus from the Collection Agency had to be redated and or fraudulent by me residing elsewhere since the time I resdided in the State of Illinois and if stands true for the date of original contract according to the date given to the 3 credit bureaus I definitely would have been a resident in the State I currently reside in and would not have been eligible nor have I had met the criteria for receiving benefits. I refuse to believe that this wasnt taken care of prior to my enlisting and therefore I couldnt have created this alleged charge by me residing in another state and county. My score has dropped significantly since the false claim on my credit report. Why is the credit bureau Equifax allowed to assist the collection agency when theres a history of disputes dismissals from the agency with the same issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding repeated and unwanted debt collection text messages I have been receiving for a debt that is not in my name, but in my ex-husbands name. 

Since XX/XX/XXXX, I have been receiving text messages from this company multiple times per week. The most recent texts were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Saturday ). This pattern has continued for months.

I have contacted the company by phone three separate times to request that they stop contacting me : Twice XX/XX/XXXX XX/XX/XXXX Despite clearly informing them that the debt does not belong to me and asking them to remove my number from their system, the texts have continued. 

This behavior appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding : Contacting the wrong person Continuing to contact after being told to stop Harassment through repeated messages I am requesting that the CFPB investigate this matter and ensure the company immediately stops contacting me regarding this debt. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
Chexsystems has traded, bought and sold my information without my permission or consent. i have been a victim of identity theft due to the data breach and my information was leaked allowing for my personal information to be used to open up multiple accounts and credit cards and loans in my name without my authorization. i filed a identity theft claim and ftc claim for this to be removed

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MS

Complaint narrative:
I checked my credit report again for the first time in 3 years on XX/XX/year>. I saw accounts on my credit report that are not mine still. I have requested these accounts to be blocked and deleted from my credit report and asked results of the investigation. However no information has been provided to me. These companies have in fact violated parts of the FCRA

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 2025-12-08 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:
Dear Sir/Madam, I am requesting a reinvestigation of several items reported by TransUnion. Many of these accounts contain incorrect balances, inaccurate dates, or inconsistent reporting compared to the original creditors and other bureaus. 

Charged Off Accounts ( TU ) Please investigate the accuracy of the following : DEPTEDXXXX  XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} DEPTEDXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$820.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2700.00} There are inconsistencies among dates, balances, and reporting, and some may not be verifiable. 

Inquiries ( TU ) I am disputing the following inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX These were not authorized by me. 

Late Payments ( TU ) I am disputing the following late payment : XXXX XXXX XXXX XXXX This late payment is inaccurate and needs reinvestigation.

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 2025-12-08 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-08 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: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Hello I filed for bankruptcy last XXXX XX/XX/XXXX it was XXXX XX/XX/XXXX I had an installment loan with this company I have repeatedly replied to the emails they have sent reminding them of my filing most recent contact was XX/XX/XXXX prior to this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: GA

Complaint narrative:
I received a bill from XXXX XXXX XXXX XXXX XXXX for {$950.00} for services that was part of a XXXX XXXX XXXX Claim that I was undergoing at the time. It was incorrectly billed to me personally. It have now been turned over to National Recovery Agency in XXXX, XXXX  for collection. It is adversely affecting my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I am a government employee. I was furloughed during the government shutdown and therefore not paid. The day the government opened back up and I finally had access to my computer. I went into My Pay account which is where our banking information is stored and routed. i immediately notice my checking account information had been changed to a Chase bank account. not my account. I contacted Chase and they assured me it was not an open account and the money would be sent back to DFAS in 5 business days, That was the XXXX of XXXX. I had tow different deposits sent to this account, XXXX on the XXXX which was all my backpay money while on furlough for the amount of {$5300.00} and a second ACH on the XXXX of XXXX for {$2500.00}. I immediately went to my finance department to correct the error and try to understand why it was changed however no good reason was given. Since that day, I have spent over 80n hours on the phone with CHASE bank, XXXX which is my payroll department in XXXX Tx and XXXXXXXX XXXX XXXX XXXX and XXXX in XXXX, Chase is stating that in order for them to return the ACH deposits they need a letter from XXXX. XXXX, my attorney and Senator XXXX XXXX XXXX have all told me according to Regulation XXXX XXXX XXXX XXXX that is false and a lending institution has XXXX business days to return to sender. The fallout of me not getting a paycheck in 3 month has been vast. Cell phones being cutoff, not having the ability to buy food, rent being past due by 2 months and possible eviction. My wife 's mother passed during this time. I had to drive her to TN and leave her there for the funeral. On my return trip back to XXXX, XXXX XXXX got a flat tire on my XXXX XXXX. Not having the money to fix the tire I had to use fix a flat and everyday for the pay17 days have had to go to the gas station and air my tire back up to standards so i could get to and from work,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a payment to Bank of America in the amount of {$560.00} around XX/XX/year>. My bank ( XXXX XXXX XXXX XXXX ) shows the payment posting on XX/XX/year>. I called XXXX XXXX and they said that the payment went to Bank of America, and they provided me with a tracing number. My payment never went into my Bank of America account. I have spoken with Bank of America XXXX, the first time they told me they would file a claim. The second time I called, they said the claim had not been filed. I tried to give them the tracing number and they would not take it. They said it might take XXXX months for the claim to go through. It is unacceptable.

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 monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: LA

Complaint narrative:
XXXX XXXX with tru accord on XXXX, XX/XX/year> emailed my younger brother Information about my account with XXXX XXXX XXXX, he then forwarded the email to my father. My father called me and forwarded the email to me. It contains all the debt information and links to get more personal information and access accounts directly. This is incredibly embarrassing and concerning behavior.

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 2025-12-08 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: WA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems has tried contacting me and my family several times. Ive set up a payment plan with them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is 31920 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation