vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Duplicate and inaccurate reporting with mismatched balances XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged off my account and transferred it to XXXX XXXX XXXX, yet both companies are reporting the same debt with different balances. 

XXXX XXXX  lists the account as charged-off but still shows a past-due balance of {$790.00}. 
XXXX XXXX XXXX reports a collection for the same debt with a different balance of {$990.00} and the same original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

This is duplicate and inaccurate reporting under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

It also violates FDCPA 807 ( 2 ) ( A ) ( misrepresenting the amount of a debt ).

I previously disputed this directly through Experian, but it was verified without documentation. No chain of assignment or itemized breakdown of the added charges was provided. 

I request that the CFPB require either XXXX or XXXX to delete its tradeline and correct all balances to {$0.00} where applicable. 

Attached : screenshots of both tradelines showing duplicate entries and conflicting amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
Im currently incarcerated .. I called home my family told me there was hard inquiries on my credit profile thats was NOT authorized by me. Under ( FCRA ) USC 15 1681 b, USC 15 1681c, USC 1681i, I am requesting that these hard inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
Im currently XXXX  .. I called home my family told me there was hard inquiries on my credit profile thats was NOT authorized by me. Under ( FCRA ) USC 15 1681 b, USC 15 1681c, USC 1681i, I am requesting that these hard inquiries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX CARD XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple credit inquiries that I did not authorize. These inquiries create a misleading record, suggesting that I have been actively applying for credit, which is entirely false. The following inquiries are currently reporting : XXXX - XX/XX/year> XXXXXXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> I have never submitted credit applications with these companies, nor did I provide consent for them to access my credit report. The repeated presence of multiple inquiries on the same or similar dates indicates unauthorized access to my personal financial information. 

Under 15 U.S. Code 1681, part of the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to ensure that all information on a consumers credit report is accurate and authorized. Only inquiries with a permissible purpose and documented consumer authorization are permitted. Maintaining unauthorized inquiries on my credit file is a violation of the FCRA and has negatively affected my creditworthiness. 

I previously disputed these inquiries with Equifax, but the responses were inadequate. Equifax did not provide proof of my authorization for any of the listed inquiries, which is required under the FCRA. A lawful reinvestigation requires that Equifax obtain and present verifiable documentation confirming that I consented to each inquiry. Simply accepting the furnishers statement is insufficient and non-compliant with federal law. 

The unauthorized inquiries have caused both financial and emotional distress, as they inaccurately depict my credit activity and create unnecessary risk in the eyes of lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, XX/XX/2025, XX/XX/2025, and XX/XX/2025, I initiated disputes with TransUnion, Experian, and Equifax, asserting a right to the blocking of adverse information on my credit report pursuant to 15 U.S.C. 1681c-2 ( Section 605C of the Fair Credit Reporting Act ). The basis for these requests was my documented status as a victim of XXXX XXXX. This status was substantiated by a FCRA Section 605C Self-Attestation Form, a XXXX XXXX Victim Determination Documentation signed by both myself and the XXXX XXXX XXXX XXXX XXXX XXXX, and accompanied by certified court documentation of expungement directly related to said status. Supporting documentation provided included a copy of my driver 's license, a utility bill, and specific account identification. TransUnion, Experian, and Equifax declined to block the identified adverse information as statutorily required, asserting that the provided documents failed to meet their internal requirements for a victim determination letter. This refusal constitutes a potential violation of the Fair Credit Reporting Act 's provisions regarding the rights of XXXX XXXX victims to have adverse information resulting from their victimization blocked from their credit reports ( Federal Consumer Credit Protection Act ).

Furthermore, TransUnion, Experian and Equifax failed to provide notification of their determination to me via email my designated preferred point of contact, potentially violating their obligations under 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 explanation
Consumer complaint received 2025-11-09 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: WA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: WA

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: 700 Credit Experts
State: MI

Complaint narrative:
Paid a company to help me fix my credit so that I can buy a house I was told I could not cancel service and that they can sell my contract to debt collectors when I wanted to cancel services

Company response to consumer: Untimely response
Consumer complaint received 2025-11-09 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: MI

Complaint narrative:
I reviewed a copy of my credit report and notice I had fraudulent activity.

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 2025-11-09 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: MI

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX Subject : Reporting of discharged account after bankruptcy removal inaccurate and unverifiable information Summary of Complaint : I am submitting this complaint because XXXX XXXX XXXX continues to report an account that was included in bankruptcy and is now closed, even though the bankruptcy itself has been deleted from my credit report.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 605 ( a ) ( 1 ), a credit bureau may not continue to report accounts connected to a deleted or unverifiable bankruptcy record. Since the bankruptcy was removed, the associated account should no longer show as active, negative, or delinquent yet it remains listed with inconsistent information and unverifiable payment data.

Details of Account : Creditor : XXXX XXXX XXXX  Type : Unsecured Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX ( Closed through bankruptcy ) Balance : {$0.00} Last Payment : XX/XX/XXXX Reported Status : Closed, {$0.00} balance, but showing inconsistent payment data ( 34 % on-time payments, etc. ) Bankruptcy Case : Filed and discharged ( now removed from all credit reports ) Violations and Issues : 1. Unverifiable reporting : Since my bankruptcy has been removed, there is no verified source or permissible purpose for this account to continue reporting as closed through bankruptcy.

2. Inaccurate reporting : The account history does not match the bankruptcy discharge or accurate payment record ( showing 34 % on-time payments with no late data ).

3. FCRA 611 ( a ) : Failure to reinvestigate and delete unverifiable data.

4. FCRA 604 ( a ) : No permissible purpose to continue furnishing this data post-bankruptcy deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Credit card balance statement have a balance. There should be a 0 balance on this card as charges are unauthorized

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I discovered the account and immediately called the collection agency listed on my credit report in the amount of {$500.00}. I requested the validation and never received any information, documentation, or explanation from the collection agency showing proof the debt is mine. I was placed on hold with no resolution, or representatives claimed they could not locate my account. No written correspondence has ever been sent to me since the day I called in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE RECOVERY, INC.
State: NY

Complaint narrative:
I do not know why Pinnacle Recovery is contacting me. I sent a debt validation letter via certified mail to which they never responded. They only sent another notice saying I owe more money and that they would start reporting to the credit bureaus on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX I received notification that Im over my limit this is due to a XXXX a month service fee and over 100 yearly fee to possess their cards. 
I believe these fees are violating the civil rights of everyone who uses their services. They gear their entire platform around taking advantage of folks with limited credit and deceive them into believing theyre helping with huge interest and monthly yearly fees. They also dont raise your credit limit with one particular card. They trick you into a newer card so you have two yearly fees. Then they trick you into a third card. All with same fees they are purposely dooming poor folks to fail. These are geared towards a protected class XXXX like me. They should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Management Services, LP
State: WA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These remarks have been detrimental to my life and credit health. Please help me get these accounts removed immediately.

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 2025-11-09 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$700.00}

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
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed a XXXX collection reported by XXXX XXXX XXXX XXXX XXXX on my Equifax credit report in XX/XX/2025. Equifax has not provided reinvestigation results within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ).

This account is inaccurate and misleading. I currently have an active XXXX account in good standing, so this alleged collection is invalid or duplicated. Reporting it as unpaid violates FCRA 607 ( b ) ( failure to ensure maximum accuracy ) and FDCPA 807 ( 10 ) ( false representation ). 

I am requesting immediate deletion of this collection and confirmation of the verification source and investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I filed a FTC in 2024 and it was removed from my credit report. This collection agency was aware of the ID Theft and has placed it back on my credit report again. For XXXX {$290.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance. 

.

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 2025-11-09 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance. 

.

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 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
My SoFi Checking and Savings accounts were opened on XX/XX/XXXX. I used it to receive my monthly payroll, then send the money to my primary checking account at XXXX Bank. After I received a payroll of {$250.00} on XX/XX/XXXX, SoFi closed my account without any explanation. I tried to contact customer support, but they refused to provide any information.

Company response to consumer: Closed with monetary relief