vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Services is reporting or attempting to collect an account that does not belong to me. The account is the result of identity theft, and I have no knowledge, involvement, or contractual relationship with this company or any original creditor related to this alleged account.

I notified Franklin Services that this account is fraudulent and requested validation. They have not provided any legally required documentation, including : A complete chain of assignment/chain of custody Proof of ownership or a valid bill of sale A signed contract or application bearing my authentic signature Any documentation showing that I authorized or benefited from this account They continue to claim ownership and/or continue collection/reporting activity without validating the debt, which violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Federal Law Violations : 15 U.S.C. 1681s-2 Furnishers must not report inaccurate information and must investigate disputes.

15 U.S.C. 1681c-2 Blocks of information resulting from identity theft must be removed.

15 U.S.C. 1681i Right to reinvestigation of disputed information.

FDCPA 809 ( 15 U.S.C. 1692g ) Debt collectors must provide validation upon request.

Franklin Services has not complied with these requirements.

FTC Identity Theft Report Filed : I filed an official identity theft report with the Federal Trade Commission ( FTC ), which legally requires the company to : Stop collection activity Provide full documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: HI

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts that I believe have inaccurate or incomplete information on my credit reports. Please review the details below : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} Late Payments : XXXX  XXXX, Account Number : 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 2025-12-03 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: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I created a XXXX  account and was using it to store money. On XX/XX/year> at around midnight I got an email stating my account was suspended so I sent my license for verification purposes and today received a reply that my account is permanently deactivated. I asked about my funds and they told me I wont be receiving my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Unifin , Inc. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Alleged Account Originally with XXXX XXXX XXXX XXXX XXXX XXXX Re : Alleged Balance : {$18000.00} Re : Text Message Received XX/XX/XXXX Unifin Reference # : XXXX Client Reference # : XXXX To Whom It May Concern : I am responding to your recent text message regarding an alleged account you claim is associated with XXXX XXXX, XXXX and originally with XXXX XXXX XXXX XXXX XXXX XXXX, with an alleged charge-off date of XX/XX/XXXX. 
I dispute this debt in its entirety. 
This letter is also a formal request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Nothing in this correspondence should be construed as an admission of responsibility, ownership, or liability for the alleged debt.

________________________________________ Required Documentation Please provide the following : 1. The full name and address of the original creditor ( CPS ).

2. The complete alleged account number.

3. A copy of the original signed contract or retail installment sales agreement.

4. A complete payment history, from account opening to charge-off.

5. A copy of IRS Form 1099-C, if one was filed in connection with this alleged charged-off account. 
6. Full chain of title, including : o Bill of sale from XXXX intermediaries o Bill of sale into XXXX XXXX 7. Proof that XXXX XXXX XXXX legally owns the debt. 
8. The date of first delinquency ( DOFD ) as reported to credit bureaus.

9. The date of last payment, if any.

10. A written statement confirming whether the alleged debt is within XXXX statute of limitations. 
________________________________________ Important Notice Time-Barred Debt Based on the information provided and the alleged charge-off date ( XX/XX/XXXX ), this debt appears to be time-barred under XXXX  Code of Civil Procedure 337 , which limits written contract actions to four years. 
Pursuing litigation or threatening legal action on a time-barred debt is a violation of : The FDCPA The XXXX  XXXX Fair Debt Collection Practices Act ________________________________________ Communication Restrictions You are hereby instructed to cease all text message communications. 
You may communicate with me only by XXXX mail at the address listed above. 
________________________________________ Consumer Rights Notice If you can not produce the documentation requested, or if you report or continue to report inaccurate information to any credit reporting agency, I will file complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) XXXX  Attorney General Federal Trade Commission ( FTC ) Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XXXX  verified my credit is good despite J P Morgan Chase denying me credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

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  Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According t
o the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
On XX/XX/year>, I contacted the loan servicer because my loan balance had unexpectedly increased and I needed information about their two-payment re-age / delinquency-cure option. I was unable to reach anyone by phone despite multiple attempts and long hold times, so I emailed them requesting clarification of the payment plan and instructions for bringing the account current. 

Within minutes, the company replied that the inbox was not monitored and instructed me to call instead, even though I had already explained that calling was not possible due to dropped calls and excessive hold times. I responded immediately and again requested written clarification of the repayment arrangement. 

The company then sent an automated message acknowledging my request, assigning a ticket number, and stating that my inquiry was being reviewed. They advised me not to include sensitive information and to wait for their response. 

After this, I received no communication from the servicer for nearly a week. During this time, I received a delinquency escalation notice and later a notification that the company had reported a potentially derogatory mark to my credit. This happened while my request was still open and unanswered, even though I had explicitly asked them to temporarily halt any negative reporting until the matter was resolved. 

I attempted in good faith to cure the delinquency and requested the exact payment amount required to bring the account current through their re-age option. I also clearly stated I was ready to make the payment as soon as they confirmed the arrangement. The company did not respond, did not provide the requested information, and instead reported derogatory information to the credit bureaus. 

I believe the negative credit reporting is inaccurate and unfair because the servicer failed to respond to my documented attempts to resolve the issue. I am requesting that the derogatory information be removed and that the servicer provide the repayment arrangement information so I can bring the account current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted the loan servicer because my loan balance had unexpectedly increased and I needed information about their two-payment re-age / delinquency-cure option. I was unable to reach anyone by phone despite multiple attempts and long hold times, so I emailed them requesting clarification of the payment plan and instructions for bringing the account current. 

Within minutes, the company replied that the inbox was not monitored and instructed me to call instead, even though I had already explained that calling was not possible due to dropped calls and excessive hold times. I responded immediately and again requested written clarification of the repayment arrangement. 

The company then sent an automated message acknowledging my request, assigning a ticket number, and stating that my inquiry was being reviewed. They advised me not to include sensitive information and to wait for their response. 

After this, I received no communication from the servicer for nearly a week. During this time, I received a delinquency escalation notice and later a notification that the company had reported a potentially derogatory mark to my credit. This happened while my request was still open and unanswered, even though I had explicitly asked them to temporarily halt any negative reporting until the matter was resolved. 

I attempted in good faith to cure the delinquency and requested the exact payment amount required to bring the account current through their re-age option. I also clearly stated I was ready to make the payment as soon as they confirmed the arrangement. The company did not respond, did not provide the requested information, and instead reported derogatory information to the credit bureaus. 

I believe the negative credit reporting is inaccurate and unfair because the servicer failed to respond to my documented attempts to resolve the issue. I am requesting that the derogatory information be removed and that the servicer provide the repayment arrangement information so I can bring the account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
On XX/XX/year>, I contacted the loan servicer because my loan balance had unexpectedly increased and I needed information about their two-payment re-age / delinquency-cure option. I was unable to reach anyone by phone despite multiple attempts and long hold times, so I emailed them requesting clarification of the payment plan and instructions for bringing the account current. 

Within minutes, the company replied that the inbox was not monitored and instructed me to call instead, even though I had already explained that calling was not possible due to dropped calls and excessive hold times. I responded immediately and again requested written clarification of the repayment arrangement. 

The company then sent an automated message acknowledging my request, assigning a ticket number, and stating that my inquiry was being reviewed. They advised me not to include sensitive information and to wait for their response. 

After this, I received no communication from the servicer for nearly a week. During this time, I received a delinquency escalation notice and later a notification that the company had reported a potentially derogatory mark to my credit. This happened while my request was still open and unanswered, even though I had explicitly asked them to temporarily halt any negative reporting until the matter was resolved. 

I attempted in good faith to cure the delinquency and requested the exact payment amount required to bring the account current through their re-age option. I also clearly stated I was ready to make the payment as soon as they confirmed the arrangement. The company did not respond, did not provide the requested information, and instead reported derogatory information to the credit bureaus. 

I believe the negative credit reporting is inaccurate and unfair because the servicer failed to respond to my documented attempts to resolve the issue. I am requesting that the derogatory information be removed and that the servicer provide the repayment arrangement information so I can bring the account current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX I stayed at XXXX XXXX XXXX they charged me {$220.00} on the XXXX I checked out they said they gave me my deposit back which ended up being about {$65.00} they're saying I received that deposit the same day which I know for a fact I didn't they said it was credited to my account which I know for a fact it wasn't I checked my account everyday they're saying it happened at a certain time will I know it didn't happen at that time I would know if {$65.00} was added back into my account then I was talking on the phone with him and I asked him to speak to a supervisor and he refused to let me speak to a supervisor and hung up in my face acting very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I filed a dispute against the merchant XXXX  and XXXX  ticket number XXXX and XXXX. XXXX was found in my favor for unauthorized transactions. Them some of the transactions for XXXX was found in my favor and I was credited however the remaining 67 out of 76 were denied and they were from the same merchants within the same time frame I believe my bank sofi did not investigate my claims correctly and skipped process of my claim based on information they gave me. The merchant was never contacted for example and if they were the banks denial reason doesnt show the merchants even responded to the unauthorized transactions I disputed. I believe my bank doesnt want to return my money so they denied my claim. I dont believe I had a fair investigation on my dispute, then when try to reopen the dispute they wont appeal unless I have documentation or more information. How can I have more information if its unauthorized transactions I believe banks ask for more information is a loop hole to not do their jobs. Again how can I produce more information or documentation for an appeal if its an unauthorized transactions on my account no one would be able to produce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation