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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because a {$200.00} collection has been inaccurately reported on my credit record by XXXX XXXX XXXX XXXX for a rental debt that I do not legally owe. I moved out of XXXX XXXX  on XX/XX/year>. Under Georgia law ( O.C.G.A. 44-7-34 ), the landlord had 30 days to return my security deposit or provide a written statement of charges. No such notice was provided to me within that time frame. The first time I learned of any charge was more than two months after vacating, in XXXX XXXX, when I received a move-out statement by email. 

I promptly disputed the {$200.00} charge both in writing and through legal counsel. I also communicated directly with the community manager, XXXX XXXX, to resolve the issue. Despite this, the property forwarded the disputed amount to collections without notifying me or providing a legal basis for the charge. The apartments own ledger, dated XX/XX/year>, confirms a final balance of {$0.00}, yet the collection was reported on XX/XX/year>, without any prior contact from the agency. 

I am requesting that this collection be removed entirely from my credit report. It is inaccurate, unverified, and submitted in violation of both Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ). I have attached a detailed timeline, attorney letter, correspondence, and ledger confirming my position.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report that I believe to be incorrect. Below are the accounts I am disputing, separated by each credit bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Inquiries : XXXX XXXX XXXX Date Opened : XX/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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
URGENT ESCALATION : On XX/XX/year> ( day XXXX of review ), servicer changed my account to " late status '' despite complete FHA forbearance app ( XX/XX/year> ) and new medical catastrophic medical event ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX discharge summary attached ). This violates HUD pause requirements and CFPB XXXX XXXX - no XXXX payment due, no late/reporting fees/reporting allowed. They keep the file " in review '' unless I complete a loan modification questionnaire. Portal demands modification questionnaire expiring XX/XX/year> ( yesterday ), coercing past forbearance ( HUD waterfall violation ). Today ( XX/XX/year> ) they sent an irrelevant response claiming a different request was resolved. 

I need immediate written forbearance approval so the XXXX payment is paused and my credit is protected.

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

Complaint narrative:
Since late XXXX, my SoFi checking account has had repeated unauthorized electronic transactions from the same XXXX merchants XXXX XXXX XXXX XXXX XXXX ). I did not authorize any of these charges, and I do not have accounts, subscriptions, or business with these companies. I reported the fraud to SoFi immediately. 

Despite filing disputes, the SAME merchants continued charging my account again and again for weeks, including new charges on XXXX. These repeat charges happened after SoFi closed some of my disputes and after I told them these were fraudulent transactions. This shows I am not the one making these transactions. 

SoFi repeatedly promised that a fraud or complaint specialist would contact me within XXXX hours, but no one has contacted me at all. Because nothing was blocked or resolved, the fraud has continued for more than XXXX weeks. My account has now gone into a negative balance due to these unauthorized charges. 

I provided a full list of all fraudulent transactions, screenshots of new fraud, and proof that my account went negative. SoFi has denied multiple disputes anyway, even when presented with new evidence ( the non-stop charges ). I have not received provisional credit, and no one properly investigated why the same merchants kept charging my account after the fraud report. 

SoFis actions appear to violate Regulation E ( 12 CFR 1005 ) because : They did not properly investigate my unauthorized electronic fund transfers They did not provide provisional credit within required timeframes They allowed continued unauthorized transactions after my report They did not contact me within the promised time or complete an investigation in good faith Their repeated denials have caused ongoing financial harm As of today, over {$4000.00} has been taken from my account, and {$2700.00} has still not been returned. I am requesting full reimbursement of all unauthorized transactions, reversal of negative fees, and for SoFi to properly handle this fraud claim according to federal law and consumer protections.

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: TX

Complaint narrative:
Take a look at the materials provided ; these inquiries appeared without notice and might not be sanctioned.

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:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within XXXX ( XXXX ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX - XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

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: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I believe that this is an account thats constantly being resold

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have no involvement with these accounts ; they should be taken off within 15 days per USC 1681g.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive resent my previous letter informing the company I received a copy of my credit report and noticed some late payments that still needed to be corrected. I was never late, and they failed to provide documents that proved otherwise. 

Clearly, prohibition means something that is not allowed. This law says a company shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Lets look at has reasonable cause to believe that the information is inaccurate. I clearly showed them in my previous letter that they have reasonable cause to believe that the information is inaccurate by defining accurate and what it means to be inaccurate, and by pointing out the laws theyve violatedtherefore making the information inaccurate! This is a violation of 15 US Code 1681s-2. 

The law also says that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Clearly, my right to privacy as a consumer has been violated by publicly reporting this information when I never gave the organization permission to report my information.

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: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: MO

Complaint narrative:
Saw Advertisement on XXXX in XX/XX/XXXX for Commerce Bank account opening promo bonus of {$700.00}. Promo listed " Get up to a {$700.00} XXXX by opening any new personal checking account and completing qualifying activities. XXXX, XXXX, XXXX, XXXX '' I opened a free checking account under the promo. I called a few days later to ensure the promo code was active and was told that it is active and that I will get the bonus deposited on XX/XX/XXXX once I meet {$5000.00} in direct deposits or more. I met the requirement with my work paycheck. On XX/XX/XXXX, there was no bonus deposited. I messaged the bank using the online help on XX/XX/XXXX, there is still no reply. I used chat on XX/XX/XXXX and also called, was told they will investigate and I will hear back within 7 days. I did not, so I called again on XXXX, am told that the bonus is only for relationship checking account, and not the free checking, this is not true as website says " any new checking account '', and they also have the free checking account under the promo webpage. They are now saying the promo is 'targeted ' and since I was not 'targeted ', that I can not get the bonus. This does not make sense as XXXX ) there was a facebook ad on this promo and XXXX ) I called after opening my account to confirm my eligibility. 

On DoctorofCredit.com, there seems to be many others who signed up around the time I did, and did not get the bonus on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing two collection accounts that are appearing on my credit reports from XXXX XXXX XXXX and LVNV Funding LLC. These accounts are significantly affecting my credit score, and I believe the information being furnished is inaccurate and has not been properly validated.

I contacted both companies and requested full debt validation, including documentation proving ownership of the debt, the original agreement, an itemized breakdown of the amount claimed, and evidence that the debt is within the legal statute of limitations. Neither company has provided the required validation.

Despite the lack of validation, the companies continue to report these accounts to the credit bureaus. This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are furnishing information that they have not verified.

I requested that all communication be in writing only, and that the companies cease all calls and collection activity until proper validation is provided. These requests have not been followed.

I am asking the CFPB to investigate these accounts, require the companies to validate the debts in full, and remove the accounts from my credit reports if they can not provide legally required documentation.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 ]

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/year> I made a gas purchase at XXXX XXXX ( XXXX XXXX ) for {$48.00}. That same day I received an email from CitiCard ThankYou Rewards Customer Service stating that my " Shop with Points were redeemed '' for this purchase and that XXXX points were redeemed yet my following statements show that I was still charged for the {$48.00}. I called CitiCard no less than three times and spent well over one hour trying to get help. No one was able to help me but one agent sent me a dispute form. It was sent back to CitiCard with all the required information including the email from them stating that CitiCard took the XXXX points plus showing that I was still charged the {$48.00}. The answer I received from them was that my documentation or facts do not support my dispute! So the {$48.00} charge remains. Additionally, they told me to contact the merchant about this. This has NOTHING TO DO WITH THE MERCHANT. I have an email directly from Citicard saying they took my points. They are wrong and need to explain where these points are for refund my money.

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: 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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