vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against SoFi concerning my personal loan for their failure to appropriately consider my urgent financial hardship request. 

I took a {$52000.00} personal loan from SoFi on XX/XX/year>. My monthly XXXX is {$1300.00}, and I have made XXXX successful payments so far. However, on XX/XX/year>, I became a victim of a cryptocurrency fraud and lost approximately XXXX XXXXall my life savings. 

I am still employed, but the financial loss has placed me under extreme hardship. I am actively cooperating with the FBI ( XXXX ), XXXX XXXX Police Department, FTC, and XXXX ( a blockchain forensics firm ) in the ongoing investigation to recover the funds. 

On XX/XX/year>, I reached out to SoFi requesting : A XXXX moratorium on XXXX payments XXXX A reduction in interest rate from the current XXXX XXXX  to XXXX XXXX, A loan tenure extension from XXXX to XXXX months. 

Despite providing full documentation ( XXXX complaint, FTC complaint, police report, XXXX engagement letter ), SoFi formally denied my request, stating I must complete XXXX  months of repayment before hardship relief can even be considered. 

This rigid policy leaves me with no viable short-term relief, even though Ive acted in good faith, made all payments to date, and provided verified evidence of a federal-level financial crime. 

I also escalated to SoFis executive resolution team by email on XX/XX/XXXX and again on XX/XX/year>, copying XXXX, XXXX, and XXXX, but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: WA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-24 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: WA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-23 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX for a balance of {$480.00}, originally from Comenity Bank. The account was opened in XX/XX/XXXX and is currently reporting on both XXXX and XXXX. 

I previously submitted a dispute in XX/XX/XXXX, but the account was only marked as updated, and I was not provided with any documentation validating the debt, per my rights under the Fair Credit Reporting Act ( FCRA ). 

This debt may be duplicative of a previous Comenity Bank charge-off and has not been verified with supporting evidence. The continued reporting of this collection account without validation is inaccurate and unfairly harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Elite Financial Services, Inc.
State: FL

Complaint narrative:
In XXXX, I enrolled in a debt settlement program with Elite Financial Services, paying over {$21000.00} to settle XXXX accounts XXXX with XXXX XXXX and XXXX with XXXX. My assigned representative was XXXX XXXX. In XX/XX/XXXX, XXXX told me I had graduated from the program, and that all payments were complete. He sent me a graduation letter and what appeared to be settlement letters for both accounts. 

However, I remained uneasy because my credit report still showed the XXXX account as active and unpaid, unlike the XXXX XXXX debt which appeared resolved. I had also contacted XXXX XXXX XXXX, the third-party payment processor, in XX/XX/XXXX, asking whether the payments I saw in my online portal labeled for XXXX had actually been disbursed to them or if those funds were just being held. Global couldnt confirm either way. 

To make things more concerning, XXXX told me in XX/XX/XXXX that they had not spoken to anyone from Elite in over a year and had received no payments. Despite this, XXXX insisted everything was fine and claimed to have settled the account. He stopped answering calls after sending a few final documents saying that I'd graduated the program with all debts settled, and provided participation letters for the meantime, some of which appeared incomplete. 

In XX/XX/XXXX, I received a letter from XXXX XXXX stating that my relationship with Elite had been terminated, and that any remaining balance would be returned. Until that letter, I believed my debts were resolved based on Tonys repeated verbal and written assurances. 
I now believe that Elite Financial Services either failed to make the necessary settlement payments or misled me into believing they had. I paid tens of thousands of dollars and have no confidence that the second account was ever handled appropriately. I can provide evidence, including the documents, bank statements and emails.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
out of the blue for no reason ( and no change on my report ) Experian dropped my credit score XXXX points. I have no change like credit card use or applying for anything, like a loan or new cards. It took me 2 days with almost 5 hours on the phone only for to be transferred 12 times ( really! ) and no one was able to help or even willing to do so. Most of the people told me they could not do anything because this was an automated system. ( How can such a company mess with other people 's credit scores? ) Not even my question if there could be fraud involved was answered- instead, I was transferred again to a person who barely spoke XXXX and was not able to understand XXXX language. Then I ended up with a lady that was finally able to check my report and told me Quote : there must be a technical issue because there is no change in your report- End Quote. But she was also not able to fix it. And of course, transferred me to a so-called expert, who told me he can not do anything

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 2025-06-23 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: TX

Complaint narrative:
I have no relationship with the fraudulent accounts currently listed on my credit file. I am requesting a full investigation and deletion within 15 days under 15 U.S. Code 1681g. Ive provided supporting documentation to verify my identity and dispute the entries.

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 2025-06-23 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: TX

Complaint narrative:
This message serves as formal notice of a dispute concerning a hard inquiry on my credit report. I did not give permission for my credit to be accessed, and this inquiry is inaccurate and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-06-23 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: KS

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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Subject : Request for Debt Validation Dear, XXXXXXXX XXXX XXXX  This letter is in response to a collection notice I received regarding the account listed above. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the debt, including a breakdown of interest, fees, and other charges.

2. The name of the original creditor and the account number.

3. Proof that you are legally authorized to collect this debt.

4. A copy of the original signed agreement ( or contract ) showing I am legally obligated to pay this debt.

5. A complete payment history, showing how the amount claimed was calculated.

Until you provide this information, I request that you : Cease all collection activity Do not report or continue to report this debt to any credit reporting agencies Not contact me except to provide the validation requested If this debt is not validated within 30 days, or if you continue collection efforts without providing validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general.

This is not a refusal to pay, but a request for proof of a valid debt. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX XXXX Account Number XXXX [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ 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 2025-06-23 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:
Ive recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following date XX/XX/year>. Im now requesting you investigate this account and update this payment to on time immediately. Thank you for your understanding and prompt.

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 2025-06-23 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:
Ive recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint on the following date XX/XX/year>. Im now requesting you investigate this account and update this payment to on time immediately. Thank you for your understanding and prompt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Subject : Dispute of Inaccurate Credit Report Item Dear XXXX XXXX, I am writing to formally dispute an inaccurate item on my credit report. The item in question appears on my report dated [ insert report date ] and is listed as : Creditor Name : [ Insert Name ] Account Number : [ Insert Number ] Reported Issue : [ e.g., Late Payment / Collection / Incorrect Balance/ Not My Account ] This information is inaccurate because [ brief explanation of the issue e.g., I paid this account in full on [ date ], This account is not mine, etc. ]. 

I am requesting that this item be investigated and corrected or removed in accordance with the Fair Credit Reporting Act. Enclosed are copies of relevant documents supporting my position, including [ list any documents, such as payment records, letters from the creditor, ID theft reports, etc. ]. 

Please reinvestigate this matter and correct the inaccurate information as soon as possible. I would appreciate a written confirmation of the results of your investigation. 

Sincerely, XXXX XXXX [ Signature ( if mailing ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief