vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : CREDIT COLL - XXXX - Under 15 USC 1692g. Validation of debt. - Please delete immediately. 
CREDIT COLL - XXXX - Under 15 USC 1692g. Validation of debt. - Please delete immediately. 
I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVEING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECCESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARDED. 
WITHOUT PREJUDICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Message to the lender I am the borrower. I am the one filing the complaint. There is no third party involved. The fact that you are asking me for authorization to correct your own inaccurate reporting is absurd. 

You are still reporting XXXX XXXX XXXX as an active debt even though it was fully paid off on XX/XX/year>. You already have the payoff, you already have the XXXX balance, and you already have the transaction details. There is nothing for me to authorize. This is your mistake to fix. 

You do not need my permission to stop reporting false information. You just need to correct it. Update the credit bureaus now and send written confirmation as soon as the update is made. Handle this immediately. 

Message to XXXX  I am disputing inaccurate reporting on my credit file. The lender is incorrectly reporting XXXX XXXX XXXX as an active debt even though it was paid in full on XX/XX/year>. The balance is XXXX. 

I am requesting an immediate investigation and correction. The lender has already acknowledged receiving the payoff, yet the account is still reporting incorrectly. 

Please update this account to reflect paid in full and closed. I expect written confirmation once the correction is completed. 

Message to XXXX  I am disputing inaccurate information on my credit file. XXXX XXXX XXXX is still being reported as open and active, even though it was fully paid off on XX/XX/year>. 

The balance is XXXX and the lender has full proof of payment. I am requesting that XXXX  conduct an investigation and correct the reporting immediately. Update the account to paid in full and closed and provide written confirmation once the changes are processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NY

Complaint narrative:
I am filing this complaint because Experian is reporting several accounts and inquiries that I believe are inaccurate or unverified. I have attempted to dispute these items directly with Experian, but they remain on my credit report without proper validation. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : XXXX I am disputing the accuracy of these accounts. Experian has not provided documentation proving the validity, correct balance, ownership, or accurate reporting of these items. 

INQUIRIES I do not recall authorizing the following hard inquiries and request proof of permissible purpose : XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that Experian validate each of these items or remove them if they can not be fully verified in compliance with 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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Between the dates of XXXX, Ally Bank froze my debit card XXXX times for alleged suspicious activity. I called multiple times during this period to explain the same transactions to multiple representatives. Aside from everyday spending, I was trying to transfer funds to pay my car note and Allys blocks were preventing this. On XX/XX/XXXX I transferred funds from my ally checking account via my debit card to XXXX XXXX. When I try to transfer the funds to pay my car note I realized the bank wouldnt accept this as a form of payment, so I initiated an instant transfer from XXXX XXXX  XXXX  my Ally Bank account. XXXX charged me {$6.00} for the instant transfer and deposited {$420.00} back into my Ally account. Despite this refund, Ally Bank wrongfully processed the original {$430.00} on XX/XX/XXXX. This was an unauthorized electronic transfer because XXXX already returned the funds. I reported this error to Ally on XX/XX/XXXX and requested an investigation under Regulation E. I called them twice on this day and they have exhibited a pattern of obstruction and bad faith : XXXX ) misclassification : they willfully misclassified my claim as a merchant dispute to avoid Regulation Es legal requirements XXXX ) Contradictory Information : A supervisor provided multiple conflicting and nonsensical explanations during a XXXX phone call, which I was predominantly on hold for XXXX ) Broken Promises : I sent them XXXX emails via their app explaining no the situation and asking for clarification about whether they would properly label this dispute and if they would provide the provision XXXX XXXX. Their response email stated they created an executive customer relations case, assuring me someone would reach out to me in XXXX days. They failed to make any contact by their own deadline. I sent XXXX emails and was given no real answers. Their actions have caused me financial harm.

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 2025-11-21 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:
All my private information has been breached and shared to parties I did not give permission to do so. Due to the laws, I want all accounts deleted and removed from the credit report. 

My ferpa has also been violated by unauthorized access to my information without my permission. 

Experian & Trans union delete my files completely.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
On XXXX i made an ach transaction of {$150.00} from my Sofi Bank account to my XXXX XXXX bank in purpose of to pay on my credit card. This money was received on XXXX XXXX  end but then reversed back to Sofi bank with NSF code. Once i was aware that was the case, i then transferred money from the savings into the checking to cover the {$150.00} to send again on XXXX. XXXX XXXX once again received the funds on XXXX, it was then reversed by Sofi Bank with code XXXX funds. At this point neither bank has no clue whats going on nor has a solution of getting the {$150.00} back into my account. I have called and chated with multiple agents from both banks and sadly neither bank can help nor has a solution. I was given a trace for the missing funds XXXX. This also did not help neither bank. It is now XX/XX/year> with no resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I pay extra payment on principal they are putting some in other I ask what other was I got the run around I go your company involved they said they will refund it back so I can apply it myself now they say they will take away my monthly payment and escrow and the extra money i specifically put principal only

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am not responsible for these accounts ; they must be erased within 15 days pursuant to USC 1681g.

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 2025-11-21 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: IN

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 2025-11-21 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: LA

Complaint narrative:
I am requesting a reinvestigation of the following accounts and inquiries on my Experian credit report. I believe these entries may be inaccurate or incomplete, and I am seeking correction or removal of any unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NC

Complaint narrative:
I previously submitted a written dispute to Equifax on XX/XX/year> regarding several Dept. of EducationXXXX XXXX XXXX that I believe are being inaccurately reported. These accounts were previously disputed and are now listed as Dispute resolved consumer disagrees or Consumer disputes after resolution. Because Equifax chose to continue reporting them as accurate, I exercised my FCRA rights under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) to request a formal Method of Verification.

In my letter, I clearly asked Equifax to provide the date, method, and identity of any individual or department they contacted at the Department of EducationXXXX , along with the documents or data used in their verification process. Despite this lawful request, I have not been provided a meaningful or complete procedural description as required by the FCRA.

I am not trying to be adversarial. I simply want to understand exactly how these disputed accounts were verified so that I can ensure the information being reported about me is fair, accurate, and supported by proper documentation. At this time, Equifax has not provided the information I requested, and the disputed accounts continue to be reported with late-payment history that I continue to challenge. 

Because Equifax has not supplied the required Method of Verification within the allowed timeframe, I am filing this complaint so the CFPB can review the matter and ensure that the FCRAs procedural requirements are followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> someone used my banking profile to send two XXXX transaction, an ATM withdraw and a XXXX XXXX transfer. 

XXXX : {$1500.00} XXXX : {$1900.00} XXXX XXXX : {$870.00} ATM : {$500.00} The bank is refusing to issue any credit on the XXXX XXXX. I am pondering suing in Smalls Claims. 

Not sure about the two made with the card. 

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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