vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
In XX/XX/XXXX I had XXXX deposited to my bank from financial aid. I have been a victim to various crimes associated with organized crime for 3 years now and face cyber crimes, identity theft, financial abuse, legal abuse, compromised network and devices so on etc. the suspects repeatedly use my identity to make online purchases, every time I get money. I noticed the fraud on my SoFi bank account which although it pulled from the balance it was pending so I couldnt immediately dispute. Once it posted I spent 4 hours on their chat with multiple reps filing the disputes. I follow up in XXXX to discover they hadnt filed them. XX/XX/XXXX I file again and the dispute involved XXXX dollars with of miscellaneous XXXX dollar charges for some gaming I made clear to the institution I did not authorize and that I am a victim of identity and XXXX related crimes and desperately needed these funds which were part of a student loan to help me file the legal actions necessary to combat this criminal organization. So a month late the disputes are finally filed, promised to be handled with urgency and care. ( XXXX ) then on ( XXXX ) I think they have capacity to properly resolve the dispute as this isnt their first mistake with this amount of my money because on. XXXX they credit my account roughly XXXX dollars worth of PERMANENT credit that the MERCHANT returned when I filed my dispute because they STOLE it from me. Yet SOFI does not credit my full dispute amount and then today XX/XX/XXXX after two more hours spent on the phone with them complaining on the half handled and delayed process they reciprocate my request by denying the other XXXX dollars filed on the claim, they claim they talked to the fraudent website which is an illegal platform to begin with who stole my money unlawfully and took their side. I plan to now sue SOFI bank because even the delay in having to file these complaints is causing to hurt my families stability is CRITICAL and I made that clear to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Citizens Pay Credit Line Account Disputes Department Re : Request for Debt Validation Citizens Pay Credit Line Account, Acct # XXXX Dear Citizens Pay Credit Line, I am formally disputing the above-referenced account and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a request for validation only and is not an acknowledgment of liability.

Specifically, please provide : 1. Verification of the alleged debt, including the full amount claimed and an itemized statement of how it was calculated.

2. The name and address of the original creditor.

3. Documentation bearing my signature showing I am legally obligated to pay this debt.

4. A complete record of all payments made and how they were applied.

5. Proof that you are licensed and authorized to collect debts in my state.

Until you provide this validation, you must cease all collection activity, including credit reporting. Reporting unverified debt violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you continue collection efforts without validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
The original creditor XXXX XXXX was notified in 2022 that I was not aware of this debt as it was obtained without my knowledge or consent. At that time all communication with the original creditor ceased. Today the debt collector Midland Collections is unjustly attempting to collect a debt that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Jefferson capital systems just showed up on my credit report one day for {$11000.00}. I do not recognize the company and have had no affiliation with them. Debt does not indicate anything that shows my ownership. I firstly want them to prove I owe them anything at all and second I want this deleted from my account. I am not going to pay them just because they put this on my credit report. This behavior should be illegal. Its predatory and feels an awful lot like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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:
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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
b'I am requesting that USAA account for each of the payments listed below, as documented by Bank of America, to cover my USAA credit card bills. Please confirm that each payment was properly applied to my credit card account and that none of the funds were misapplied or lost.\n\nXXXX XXXX XXXX XXXX PAYMENTS Bill Payment XXXX XXXX XXXX XXXX  PAYMENTS Bill Payment -XXXX XXXX XXXX XXXX PAYMENTS Bill Payment XXXX XXXX XXXX XXXX  PAYMENTS Bill Payment -XXXX XXXX XXXX XXXX  PAYMENTS Bill Payment XXXX XXXX Bill Payment XXXX XXXX XXXX XXXX PAYMENTS Bill Payment XXXX XXXX Bill Payment -XXXX XXXX XXXX XXXX  PAYMENTS Bill Payment XXXX XXXX  Bill Payment -XXXX XXXX XXXX XXXX  PAYMENTS Bill Payment XXXX XXXX XXXX XXXX PAYMENTS Bill Payment -XXXX Check images Account number: XXXX XXXX XXXX  Check number: XXXX  ! Amount: XXXX  see USAA credit card statement attached \nXXXX  Check images Account number: XXXX XXXX XXXX Check number: XXXX ! Amount: XXXX XXXXrom XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENTS Bill Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\n\nUtilities and Legal representation XXXX XXXX XXXX XXXX XXXX XXXX  prior to discovering fraud and forged signature on mortgage loan and auction by 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 Eversource Bill Payment -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 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 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 2025-10-03 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am disputing an invalid debt being collected by Transworld Systems Inc. on behalf of XXXX XXXX XXXX XXXX XXXX. 

In early XXXX, Transworld began sending me collection demands for {$640.00} allegedly owed to XXXX XXXX. I disputed this debt in writing via certified mail on XX/XX/year>, requesting verification. My letter was delivered and signed for on XX/XX/year>, but Transworld never responded with validation of the debt. Instead, they continued to send collection notices ( including one dated XX/XX/year> ) in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I also sent a certified dispute letter directly to XXXX XXXX billing department on XX/XX/year>. USPS records show it was received and signed for on XX/XX/year>, but months later the letter was returned to me unopened, marked insufficient address. This indicates that XXXX did not even review or respond to my dispute, despite receiving it. 

Most importantly, my insurer XXXX explained to me over the phone that I had {$0.00}. responsibility, told this to XXXX over the phone, and issued an Explanation of Benefits ( EOB ) and cover letter confirming I have {$0.00} member responsibility for XXXX XXXX XXXX claims. I have encosed : XXXX cover letter confirming {$0.00} responsibility ( DCN # XXXX ). 
Pages from the EOB showing the XXXX charges with the same XXXX. 
Copies of my dispute letters. 
USPS proof of delivery for Transworld and XXXX. 
A copy of XXXX returned, unopened envelope. 
Copies of collection demands from Transworld.

Despite receiving proper dispute letters and proof from XXXXXXXX that I owe nothing, both XXXX and Transworld failed to validate the debt, continued collection activity, and refused to acknowledge my communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-03 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS :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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Discover Bank Account Disputes Department Re : Request for Debt Validation Discover Bank Credit Card Account, Acct XXXX XXXX Dear Discover Bank, I am formally disputing the above-referenced account and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a request for validation only and is not an acknowledgment of liability.

Specifically, please provide : 1. Verification of the alleged debt, including the full amount claimed and an itemized statement of how it was calculated.

2. The name and address of the original creditor.

3. Documentation bearing my signature showing I am legally obligated to pay this debt.

4. A complete record of all payments made and how they were applied.

5. Proof that you are licensed and authorized to collect debts in my state. 

Until you provide this validation, you must cease all collection activity, including credit reporting. Reporting unverified debt violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you continue collection efforts without validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I had an account with XX/XX/XXXX. I closed the account and there was XXXX balance. I was then notified that I had a bill for {$340.00} for unreturned equipment. I was willing to pay the fee, but I was sent to collections before I could make that payment. The collections company began reporting the debt on my credit report. This is unethical and malicious behavior. I received noXX/XX/XXXX/credit score befit for paying my XX/XX/XXXXl on time every month. Now I'm being penalized for a debt that I never personally guaranteed. I've attempted to contact the collections company by phone but they do not answer or return my calls. I filed a dispute with XX/XX/XXXX and the record was removed. I filed an identical dispute withXX/XX/XXXX but they didn't remove the record. The name of the Collections company is Credit Control LLC.

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 2025-10-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with explanation