vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I request the removal of the following hard inquiries from my TransUnion credit file because I did not authorize them and/or they lack a permissible purpose under FCRA 604 ( a ) : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA 611, please reinvestigate and either ( 1 ) delete these inquiries if you can not document my authorization or a permissible purpose ; or ( 2 ) provide documentary evidence of authorization, including application records ( signed or electronically consented ), IP logs, time stamps, and the stated permissible purpose. If any inquiry was for account review on an existing relationship, it should appear as a soft inquiry not visible to third parties ; please reclassify accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-09 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Some one have tried plenty times to get a credit card in my name all credit hard inquiry are not mine is affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Dear Sir/Madam, I am writing to dispute multiple items that are inaccurately reported on my credit report. These items appear on my credit report with [ insert credit bureau ] and I am requesting a review and correction of the information, in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed items for each bureau : Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} Late Payments : XXXX, Account Number : 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 non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
I am writing to dispute the reporting of the following account appearing on my TransUnion credit report These accounts contain inaccuracies and must be reviewed and corrected The account is XXXX XXXX XXXXXXXX Acct No XXXX Balance XXXX Date Opened XXXX These fraudulent accounts have resulted in inaccurate and damaging information appearing on my TransUnion consumer FICO credit report and I demand that all of these fraudulent items be removed immediately and that any related collection activity cease pursuant to my rights under the FCRA and FDCPA This serves as a formal complaint under FCRA Section 605B 15 USC Section 1681c2 requesting that TransUnion immediately block and permanently remove the above fraudulent account including any associated collections charge offs or late payments as it was added to my credit file without my knowledge consent or authorization and is the direct result of identity theft rather than any legitimate consumer transaction These accounts were added to my Experian credit report without my knowledge or authorization and are the direct result of identity theft, not any legitimate consumer transaction. In support of this request, I have provided my official FTC Identity Theft Report, Report Number XXXX, along with all required supporting documentation.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not associated with this account, and it is appearing on my credit report in error due to inaccurate 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 2025-12-09 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: TX

Complaint narrative:
I am not associated with this account, and it is appearing on my credit report in error due to inaccurate 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 2025-12-09 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX BANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX 'S XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-09 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: TN

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 explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
The information shown is neither complete nor accurate, and it misrepresents my financial history. I respectfully ask that you initiate a formal inquiry and amend the record as necessary.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern : This letter is in response to a collection account you claim I owe. This is NOT a refusal to pay, but a notice that your claim is disputed.

Under the FDCPA, provide the following : 1. Proof of your authorization to collect this debt 2. Complete chain of title all owners of the debt 3. Original signed contract or agreement 4. Itemized statement of charges 5. Proof the debt is within the statute of limitations 6. Proof you are licensed to collect in my state Until these items are provided, you must : Cease collection activity Cease reporting to credit bureaus Mark the account as Disputed If you can not validate this debt, you must remove all reporting. 

Sincerely, Your Signature XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-09 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: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 a 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 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 ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
To Whom It May Concern : I am disputing the debt referenced in your letter dated XX/XX/year>. I was never notified of any outstanding balance with XXXX prior to receiving this letter. I did not receive any email, phone call, mailed notice, or other communication informing me that this debt existed or had been sent to collections. 
Because this is the first notice I have ever received about this alleged debt, I am formally disputing it in full. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of the debt, including : Documentation proving that I am legally responsible for the debt. 
A complete itemization of the original debt, fees, interest, and adjustments. 
A copy of the original agreement or contract with XXXX XXXX 
Documentation showing when and how XXXX attempted to contact me regarding this balance. 
Proof that your company has the legal right to collect this debt. 
Until you provide this validation, you must cease all collection efforts, including reporting or verifying this account with any credit reporting agencies. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My bank issued me refund checks in XX/XX/year> due to an account issue, but I never received them. Customer service has been unable to confirm whether the checks were ever cashed. I have been told to wait 48 hours multiple times with no updates.

I have asked for confirmation from their back office regarding whether the checks cleared and for a reissue to be documented, but the bank refuses to provide written confirmation. On multiple attempts, I have been disconnected when transferred to a supervisor or when asking for documentation. 

Today, I requested written documentation and escalation, and the representative hung up on me. It appears the bank is withholding my refund and refusing to provide the legally required verification of whether the checks were cashed or to reissue the funds. I need assistance resolving this 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 monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
XX/XX/XXXX - I received a levy notice from my bank with an update that my account would be frozen until a resolution was found. I called my bank ( SoFi ) first and asked for steps to get the issue resolved. They said to call the XXXX XXXX XXXX XXXX IRS and they will work with me. I called the IRS and sent over a XXXX form authorizing a payment plan for them to take the money needed out of my account to settle the Levy. 

XX/XX/XXXX - XXXX reached out again to my bank to see if there was any update. They said no and that they need me to call the XXXX unit to call them to get it resolved. I called the IRS XXXX unit again and explained the situation. They commented that the IRS XXXX unit DID NOT request for them to freeze my account. They also noted that they will send an email to the SoFi bank to authorize them to release the funds needed to start the Levy payments. 

XXXX XXXX- I am calling my bank asking for updates every day because I have no access to my money. I can not pay bills or buy groceries. They keep telling me to wait for an email but no email has been sent to my inbox. My account is still frozen and I am unable to use any of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my

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 2025-12-09 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:
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 4 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 30 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 2025-12-09 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I was contacted by XXXX  XXXX  regarding a debt that they claim I owe. However, they did not send me a written notice of the debt within the required time frame as mandated by the FDCPA ( within five days of their initial communication with me ). This lack of communication has violated my rights under the FDCPA.

I did not receive any notice confirming the details of the debt nor my rights as a consumer.

- The failure to provide this notice has caused me confusion and XXXXXXXX  regarding the legitimacy of the debt and my obligation towards it.

Company response to consumer: Closed with explanation