vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-09-23 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Fraud Credit Reporting for the past 9 months. All payments are made electronically from another credit union. 
The loan was modified in XXXX payments were lowered to $ XXXX. XXXX XXXX  XXXX XXXX continues to report that we havent made a payment since 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 2025-09-23 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: OR

Complaint narrative:
Fraud Credit Reporting for the past 9 months. All payments are made electronically from another credit union. 
The loan was modified in XXXX payments were lowered to $ XXXX. XXXX XXXX XXXX XXXXXXXX continues to report that we havent made a payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Fraud Credit Reporting for the past 9 months. All payments are made electronically from another credit union. 
The loan was modified in XXXX payments were lowered to $ XXXX. XXXX XXXX XXXX XXXX continues to report that we havent made a payment since 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 2025-09-23 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-09-23 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: UT

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint on behalf of myself. There is no other company disputing on my behalf. Please do not send me an automated response. All documents will be included for this dispute. 

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX  Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely 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 non-monetary relief
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of a transaction dispute with my SoFi account. 

On XX/XX/year>, I placed an order through XXXX for {$69.00}. Unfortunately, I never received the item. I contacted XXXX directly, and they confirmed in writing that they had released the funds back to my banking institution ( SoFi ) and instructed me to resolve any further issues with my bank. They also noted that in the future, I should contact their customer support first, but in this case, they verified that the dispute process was already completed on their end. 

Despite this, SoFi has not credited the refund to my account. When I followed up, I was told that XXXX had not contacted SoFi, which directly contradicts the information provided to me by XXXX. It has now been over a month since the dispute began, and I still have not received the {$69.00} refund. 

At this point, I am requesting the following : 1. Immediate investigation into the status of my refund. 
2. Written confirmation from SoFi regarding communication with XXXX. 
XXXX. Prompt issuance of the {$69.00} credit to my account. 

SoFis refusal to provide clear information or resolve this matter in a timely fashion is unacceptable. If this issue is not resolved promptly, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau. 

I appreciate your immediate attention to this matter and expect a response within XXXX business days. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I formally requested an investigation to wrongfully reporting information on my credit report. They have just denied my request. They mentioned that my request may have come from a third party and they refused to investigate. Also they mentioned that it was verified. I am not sure how they did both but they claimed to do so.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Company has called numerous times never conveyed where debt originated I asked for them to stop calling me and they still do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX made a settlement agreement offer and backed out. I had to file bankruptcy chapter XXXX after the settlement agreement was agreed to and when I went to make the first agreed payment they would not accept the payment or would not talk to me about the agreement that was made. I have a written settlement agreement paper that was sent to me from XXXX XXXX XXXX XXXX. And now they have repo my truck. And now that they have the truck they are trying to sell it if I don't pay double the amount that was agreed to in the settlement agreement letter I have. I am Demand the return of my truck because i attempted to fulfill my part of the legally binding agreement. Refer to the Fair Debt Collection Practices Act ( FDCPA ). The debt collector 's actions are violations of this federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a debt that was transferred to First Credit Services from XXXX XXXX for a gym membership I signed up for. 
I signed up for a membership at XXXX XXXX but did not use the facilities at all. I was unaware that I would be charged monthly unless I proactively canceled the membership. 
As I was not using the gym and did not intend to continue the membership, I did not make the monthly payments. 
However, XXXX XXXX continued to charge me monthly, which eventually led to the balance accumulating, and the debt being sent to collections through First Credit Services. 
I was not made clearly aware that the charges would continue, nor was I informed about the cancellation process. I believe this is an unfair practice, as I did not receive clear communication regarding the ongoing billing or cancellation requirements. 
I did not use the gym and have never authorized the continued billing. 
The debt has now been transferred to First Credit Services, and I have not received adequate communication from either Crunch Gym or First Credit Services regarding the charges or the proper way to cancel the membership. 
I was not aware that the charges were ongoing, and I was not notified when my account was in arrears. 
I am now being asked to pay for charges that I did not consent to or use, and I have not been provided with any reasonable way to resolve the issue before it was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 
Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any hard inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 
The following inquiries are unauthorized and must be permanently deleted : XXXX XXXX XXXX  XX/XX/year> I have already disputed these items directly with Transunion, providing both my written dispute and a copy of my official FTC Identity Theft Report. Despite my compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
This non-compliance has caused measurable harm to my financial life : My credit score remains artificially low due to inquiries I never authorized. 


I am being denied credit opportunities. 


When I do receive approvals, I face higher interest rates and less favorable terms. 


These violations have placed me at risk of further identity theft and financial damage.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing an account reported by Portfolio Recovery Associates , LLC. The company claims I owe a debt originally from XXXX XXXX. However, they have not provided proper documentation proving ownership or validity of this debt. 

I requested validation under the Fair Debt Collection Practices Act ( FDCPA ). The only evidence provided was a generic email notice of sale, which does not prove legal ownership, chain of assignment, or that I ever agreed to pay. They did not provide the original signed agreement, a complete payment history, or proof that the debt was legally transferred to them. 

Despite the lack of validation, Portfolio Recovery Associates continues to report this account to the credit bureaus. I disputed the account with Experian/Equifax/TransUnion, but the bureaus marked it as verified without providing me with any documentation. 

This violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). Information being reported must be accurate and verifiable, yet no proof has been given. 

I am requesting the CFPBs assistance in requiring Portfolio Recovery Associates and the credit bureaus to provide proper documentation or remove this inaccurate and unverified account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CO

Complaint narrative:
I'm writing to formally dispute an account currently being reported on my credit file that is in the middle of pending litigation. Because this matter is actively being challenged in court, and the outcome is still undetermined, the reporting of this account is not only premature it is legally and factually inaccurate. 

You are reporting this account as if its valid and resolved, when in reality, its status is far from settled. I am currently pursuing legal action regarding this account, and until that process is concluded, you can not truthfully or accurately report this information without misrepresenting my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is accurate, complete, and not misleading. Reporting a disputed account as factually correct while litigation is still pending is a violation of that responsibility. The presence of this account on my report creates a false and damaging impression of my financial standing and must be corrected 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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> I went into the Wells Fargo XXXX SC XXXX to complete a wire transfer for a vehicle being sold in New York by a XXXX XXXX who did not disclose that he was a dealer until after I received the paperwork with the vehicle. Wells Fargo assisted me with this transaction and did not disclose the risk of me being frauded until after I was made to sign a XXXX screen device and I did not know what I was signing and did not understand what I was signing. I came back into the branch on Tuesday XX/XX/XXXX to dispute the transaction and Wells Fargo told me that there was nothing I could do. They said that they contacted the receiving bank to ask them to return the funds but that the recipient could simply say no and the case would be closed. They said the receiving bank would not contact me and no documents of the dispute could be provided. This has caused me severe emotional distress.

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