vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-08-05 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: CA

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 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 explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
XXXXI am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act (FCRA), I5 U.S.C.  1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information (15 U.S.C.le(b)) and conduct a reasonable investigation of disputes raised by consumers (15 U.S.C.  1681). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed:  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNIONXXXX 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 XXXXDespite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C.  1681e(b) and  168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.'

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 2025-08-05 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: CO

Complaint narrative:
From what I can see from my bank account, someone has been able to hack into my account and spent my money unauthorized. I've requested new cards and I've tried disputing the unknown transactions. Sofi bank will not resolve the issues stating that they didn't find the transactions to be unauthorized and that I am held responsible. It also doesn't make sense to me, how, for example, I've spent roughly XXXX in this last month, my income was a bit over XXXX. XXXX is missing from my account just in XXXX month and Sofi isn't willing to help me figure out what's going on. Oddly, Im somehow in the negative though these last XXXX months, I've had an income of $ XXXX $ XXXX. I need help figuring this out please. I'm a single mother of XXXX, I can not keep letting these companies/banks steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
LVNV Funding LLC owns an alleged XXXX XXXX XXXXXXXX debt that I formally dispute. In XX/XX/year>, XXXX XXXX contacted me via unauthorized text message ( short code XXXX ) at XXXX XXXX and email claiming to collect for LVNV, violating FDCPA Section 1692c ( b ) and TCPA Section 227 ( b ) ( 1 ) ( A ) ( iii ). I filed CFPB Case # XXXX against XXXX XXXX. Their attorney XXXX XXXX XXXX acknowledged collection compliance issues by agreeing to immediate cessation of communications, adding my number to their Do Not Call List, and notifying their client ( LVNV ) of the complaint resolution. 

On XX/XX/year>, I sent certified mail validation demands to LVNV under FDCPA Section 1692g ( b ) demanding : original XXXX XXXXXXXX agreement, complete chain of assignment, written proof of authorization for XXXX XXXX ( or admission they were unauthorized ), Nevada collection licenses, and complete account documentation. I explicitly stated I had never provided consent for text messaging or email contact by any collection agent. 

As of XX/XX/year>, LVNV has failed to provide any validation documentation whatsoever despite the statutory requirement to cease collection until verification is provided. Instead, LVNV continues reporting this disputed debt to all three credit bureaus at {$1200.00} while having actual knowledge through CFPB Case # XXXX that their collection activities involved federal law violations. 

Under FDCPA Section 1692g ( b ), LVNV can not legally collect or report this debt without providing complete validation. Under FCRA Section 1681s-2 ( a ) ( 1 ) ( A ), they can not furnish information while having " reasonable cause to believe '' it is inaccurate due to documented collection violations. LVNV 's continued reporting during an active validation dispute, with knowledge of collection agent violations, constitutes willful FCRA noncompliance requiring immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). 
Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strive to keep my credit record accurate and up to date. However, Ive identified an account that I do not recognize or have any connection with.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTING ON EXPERIAN AND XXXX XXXX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-05 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: NY

Complaint narrative:
I am a victim of identity theft. These credit inquiries were made without my knowledge, consent, or authorization by criminals who stole my personal information. 

EVIDENCE OF FRAUD : I did not apply for credit with any of these companies Suspicious patterns : 6 inquiries in 15 days ( XX/XX/XXXX ) - impossible legitimate shopping Geographic clustering : Multiple NJ lenders suggest local criminal activity Repeat targeting : Same companies multiple times ( XXXX, XXXX XXXX ) No contact : Never received applications or communications from these lenders TIMELINE : XXXX XXXX : Initial identity theft ( 3 inquiries ) XX/XX/XXXX : Major coordinated attack ( 6 inquiries in 15 days ) XX/XX/XXXX : Continued fraud ( 2 more inquiries ) IMPACT : These unauthorized inquiries damaged my credit score and prevented me from obtaining favorable credit terms. 





DISPUTE LETTER ( Short Version ) Plain Text TO : [ Credit Bureau ] RE : Unauthorized Credit Inquiries- Identity Theft I dispute the following inquiries as unauthorized and fraudulent : 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 ) FACTS : 1. I did not apply for credit with these companies 2. I did not authorize anyone to apply on my behalf 3. These inquiries resulted from identity theft 4. I have filed FTC and police reports Under the FCRA, please remove these unauthorized inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
I am a victim of identity theft. These credit inquiries were made without my knowledge, consent, or authorization by criminals who stole my personal information. 

EVIDENCE OF FRAUD : I did not apply for credit with any of these companies Suspicious patterns : 6 inquiries in 15 days ( XX/XX/XXXX ) - impossible legitimate shopping Geographic clustering : Multiple NJ lenders suggest local criminal activity Repeat targeting : Same companies multiple times ( XXXX, XXXX XXXX ) No contact : Never received applications or communications from these lenders TIMELINE : XXXX XXXX : Initial identity theft ( 3 inquiries ) XX/XX/XXXX : Major coordinated attack ( 6 inquiries in 15 days ) XX/XX/XXXX : Continued fraud ( 2 more inquiries ) IMPACT : These unauthorized inquiries damaged my credit score and prevented me from obtaining favorable credit terms. 





DISPUTE LETTER ( Short Version ) Plain Text TO : [ Credit Bureau ] RE : Unauthorized Credit Inquiries- Identity Theft I dispute the following inquiries as unauthorized and fraudulent : 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 ) FACTS : 1. I did not apply for credit with these companies 2. I did not authorize anyone to apply on my behalf 3. These inquiries resulted from identity theft 4. I have filed FTC and police reports Under the FCRA, please remove these unauthorized inquiries 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 2025-08-05 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: MA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX I filed a claim regarding my card was lost/ stolen and my online banking was compromised I told the agent XXXX was taking out from atm in XXXX XXXX Florida alone with other transactions a city which I never been. I was told by the agent to waited 10 business day to get my money back. On XX/XX/year> I called and found the claimed was denied I asked to re-open my claim and return all my funds back ASAP otherwise I'll be more than happy to seek legal actions against the bank to due the fact failing to protect my funds. I never made or authorized those any of these transactions Im asking for the camera footage to play in court. Bank of America kept refusing to provide proof of who did this transactions, I never authorized anyone to withdraw and I did not make any of these withdraw. I'm reaching out to CFPB to help me in this situation before I hired a law firm because im willing and will take bank of America to court. I filed a police report to have them investigate this fraud. Under Federal law my money is protected by FDIC. 

Claim # Claim : XXXX Amount : {$8500.00}

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
This is in response to XXXX XXXX, LLCs reply dated XX/XX/XXXX, to CFPB Complaint # XXXX. 

While the company acknowledges the debt stems from a XXXX loan, the response fails to address the core issues of my complaint : 1. Incomplete Validation : The company did not provide adequate validation of the debt, such as : The chain of assignment or legal right to collect/report post charge-off.

Third-party collection agreements.

Legally required validation under the Fair Debt Collection Practices Act.

2. Credit Reporting Timeline : OppFi acknowledges the date of first delinquency was in XXXX. Therefore, this debt must be completely removed from all credit reporting no later than XX/XX/XXXX, per the Fair Credit Reporting Act ( FCRA ). The responses claim that the account is no longer actively reporting is vague, and I request written confirmation of deletion from all bureaus by that date. 
3. Balance Discrepancy and Predatory Terms : The charge-off balance of {$2100.00} on a {$1600.00} loan represents a disproportionate increase. The 159 % APR is predatory. The amortization schedule shows excessive interest accrual post-default, and no complete accounting was provided to explain the balance at charge-off.

4. Consumer Harm and Goodwill : I made payments in good faith, was never mailed notices beyond email, and the company failed to engage meaningfully or offer resolution alternatives prior to charge-off.

I respectfully request that the CFPB compel OppFi to : Cease any collection efforts on this account. 
Confirm deletion of this account from all credit bureaus effective XX/XX/XXXX or sooner. 
Provide proper documentation verifying chain of title, legal right to collect/report, and a full itemized balance justification. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
XX/XX/year> my mortgage payment was made to NEWREZ-SHELLPOINT thru my XXXX XXXX XXXX  acct ending in XXXX, my account was hacked and that payment was returned to NEWREZ-SHELLPOINT on XX/XX/year> this same day hack was discovered and a new account with XXXX was started ending in XXXX and a payment to NEWREZ-SHELLPOINT was made the same day XXXX 

Whatever the reason NEWREZ-SHELLPOINT not only reveresed XX/XX/XXXX payment on XX/XX/year> also they reversed XX/XX/XXXX payment on XX/XX/year> which cleared and posted XXXX XXXX XXXX  on XX/XX/year> account ending in XXXX. 

On 3 occasions I have sent information to XXXX also spoke with customer service and ther management staff. 

XX/XX/year>, XX/XX/year>, and XX/XX/XXXX XXXX with NO SUCCESS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Maintaining accurate information in my credit report is important to me. I recently noticed an account that I do not recognize and did not authorize.

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