vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I have decided to invoke my rights under the FCRA, primarily 15 USC 1681-2 ( a ) and ( c ), also FCRA regulation 15 USC 1681-B. I am demanding the immediate removal of the accounts listed in this report about my credit report. These accounts were added without my written consent, thus violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without my direct authorization. The lack of my consent now renders these listings both unauthorized and potentially indicative of identity theft. So, I'd like to ask for the prompt deletion and permanent removal of ALL the referenced accounts in this claim. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX, and I have decided to invoke my rights under the FCRA, primarily 15 USC 1681-2 ( a ) and ( c ), also FCRA regulation 15 USC 1681-B. I am demanding the immediate removal of the accounts listed in this report about my credit report. These accounts were added without my written consent, thus violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without my direct authorization. The lack of my consent now renders these listings both unauthorized and potentially indicative of identity theft. So, I'd like to ask for the prompt deletion and permanent removal of ALL the referenced accounts in this claim. Additional Unauthorized Hard Inquiries : 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing to inform you that this is the fourth time that my account has been sold to a new servicer. As of now, I have not received any information regarding the new account or the transition process. 

Thank you for your attention to this issue. 

Sincerely, 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 2025-04-23 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 am writing to inform you that this is the fourth time that my account has been sold to a new servicer. As of now, I have not received any information regarding the new account or the transition process. 

Thank you for your attention to this issue. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
I am writing to inform you that this is the fourth time that my account has been sold to a new servicer. As of now, I have not received any information regarding the new account or the transition process. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
FIRST OF ALL THEY JUST RESPONDED ON XXXX THEY HAD SINCE XXXX SO TO RESPONSE AND ONCE AGAIN THE CREDIT AGENCIES DO WHAT THEY WANT TO DO AND USE THE LAW THE WAY THEY SEE FIT. THEY NEED TO BE ACCOUNTABLE FOR THEIR ACTIONS AND YOU AS CFPB SHOULD HAVE NEVER LET THEM GET AWAY WITH SENDING AN RESPONSE TO MY COMPLAINT OVER 60DAYS LATER WHEN INFACT ONE OF THE QUESTIONS THAT WE MUST CHOOSE FROM WHEN FILING THIS COMPLAINT IS DID THE INVESGATIONS TAKE MORE THEN 30 DAYS!!! BIG ISSUE ACCORDING TO THE LAWS AND MY CONSUMER RIGHTS, HOW MUCH LONGER WILL CFPB ALLOW THESE THIRD PARTY AND CREDIT AGENCIES TO GET AWAY WITH NOT GOING BY THE LAW OR CONSUMER RIGHTS YOU AS THE CFPB ARE SUPPOSED TO BE HERE FOR THE CONSUMER WELL I THINK YOU HAVENT BEEN HERE FOR ME ESPECIALLY WHEN YOU ALLOW THEM 60 PLUS DAYS TO DO WHAT THEY WANT AND THEN THEY STATED I WILL GET MY INFO IN THE MAIL 7 TO 10 LATER THIS IS A BUNCH OF XXXX AND YOU AS THE CFPB ALLOW THIS

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
FIRST OF ALL THEY JUST RESPONDED ON XXXX THEY HAD SINCE XXXX SO TO RESPONSE AND ONCE AGAIN THE CREDIT AGENCIES DO WHAT THEY WANT TO DO AND USE THE LAW THE WAY THEY SEE FIT. THEY NEED TO BE ACCOUNTABLE FOR THEIR ACTIONS AND YOU AS CFPB SHOULD HAVE NEVER LET THEM GET AWAY WITH SENDING AN RESPONSE TO MY COMPLAINT OVER 60DAYS LATER WHEN INFACT ONE OF THE QUESTIONS THAT WE MUST CHOOSE FROM WHEN FILING THIS COMPLAINT IS DID THE INVESGATIONS TAKE MORE THEN 30 DAYS!!! BIG ISSUE ACCORDING TO THE LAWS AND MY CONSUMER RIGHTS, HOW MUCH LONGER WILL CFPB ALLOW THESE THIRD PARTY AND CREDIT AGENCIES TO GET AWAY WITH NOT GOING BY THE LAW OR CONSUMER RIGHTS YOU AS THE CFPB ARE SUPPOSED TO BE HERE FOR THE CONSUMER WELL I THINK YOU HAVENT BEEN HERE FOR ME ESPECIALLY WHEN YOU ALLOW THEM 60 PLUS DAYS TO DO WHAT THEY WANT AND THEN THEY STATED I WILL GET MY INFO IN THE MAIL 7 TO 10 LATER THIS IS A BUNCH OF XXXX AND YOU AS THE CFPB ALLOW THIS

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 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX XXXX, hereby petition Chime Financial , Inc. ( " Chime '' ) for reconsideration of the denial of my dispute, dated XX/XX/year>, concerning unauthorized transactions on my Chime account. The original dispute, submitted on XX/XX/year>, detailed unauthorized transactions as follows : Transaction Date : XX/XX/year> Transaction Amount : {$160.00} Transaction ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing.

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter.

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
This whole situation has been incredibly stressful. Ive been doing everything right on my end, but my report is still dragging me down because of info that isnt even accurate. Ive been turned away from things that really mattered, and its frustrating to keep explaining myself over something that shouldnt be there in the first place.

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 2025-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
In XXXX I had difficulty in my life due to near fatal XXXX XXXX injury along with XXXX XXXX. I asked SoFi for reduced payments which they agreed to then they delayed their offer. I paid the reduced amount of XXXX $ on time then was accused of missing a payment which is a lie. By the time they got back to me over a week later they wanted an additional XXXX $ tacked on to the end of my loan for the privilege of having 3 months of XXXX $ payments. I paid the full monthly payment but they reported a missed payment on my credit. I have been demanding they remove this for 10 months now. 2 weeks ago they offered me an increase in my loan by XXXX for credit card consolidation. They stated soft pull and not reported to credit bureaus. This company defrauded me yet again. They waited over a week then reported hard denial when I did not even ask them for this offer in the first place. Again this company is committing fraud. I noticed that in XX/XX/year> SoFi had to pay millions to settle FRAUD against consumers. Looks like they are continuing to scam people with impunity. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : PORTFOLIO RC acct # XXXX XXXX. * * Proof that I am responsible for the debt * * : Documents demonstrating that I owe this debt. 
2. * * Details of the debt * * : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 
3. * * Name and address of the original creditor * * : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 
4. * * Proof of your authority to collect this debt * * : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Today, portfolio recovery attempted to collect a debt that I do not recognize and that does not belong to me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I had an extensive call with one of your agents regarding my escrow account. As all calls are recorded, I requested a full copy of the call. During this conversation, Newrez agent explicitly stated that I did not have to make an escrow payment at that time, as they were still investigating the home insurance coverage. I was informed that I had 60 days to resolve this matter because I had already provided proof of full home insurance coverage on XX/XX/XXXX covering up to XX/XX/XXXX. 
Despite following Newrez agents instructions, they incorrectly reported my payment as late, in XX/XX/XXXX unfairly impacting my credit. 

On XXXX/XXXX/XXXX I was told that the agent gave me incorrect information but that they will not fix my credit, also a recoded call. Newrez agent was not trained and the misinformation given to me on a recorded line caused my credit to go down, they should 100 % own the mistake and fix it as it was 100 % the agent mistake and not me the client.

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 2025-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida and financed it through Santander Consumer USA. 

Since the purchase : XXXX. The dealership has failed to submit the title and registration paperwork to either Florida or Georgia. As a result, I have no plates, registration, or legal ability to use the vehicle over XXXX months later. 


XXXX. This vehicle was purchased for use in my logistics company ( XXXX XXXX XXXX XXXX ) and has sat unused while I continued paying insurance and made a car payment. My estimated lost revenue from being unable to operate is {$12000.00} to {$15000.00}. 


XXXX. I discovered that the dealership falsely inflated my income on the loan application to get it approved. I never consented to this and have documentation to show my real income was lower than what was submitted to Santander. 


XXXX. Additionally, the vehicle was misrepresented I was told it was in excellent condition, but it arrived with visible dents and I was charged {$650.00} for delivery which was not disclosed upfront. 



I contacted Santander and reported the issue, requesting an investigation and loan cancellation due to fraud and failure to deliver a legally drivable vehicle. Santander refused to take action, stating that because I signed the contract, they are not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief