vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding the accounts listed below, which I believe are reported inaccurately. I request that you investigate these items and provide a resolution based on the Fair Credit Reporting Act ( FCRA ) and other relevant guidelines. 

CHARGED OFF : XXXX XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account # XXXX, Opened XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance : {$910.00} XXXX, Account # XXXX, Opened XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account XXXX XXXX XXXX Opened XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT : XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX, Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MS

Complaint narrative:
My account got hacked but my bank didnt protect nor give me any credit funds back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccurate credit reporting by the following bureaus. The details of the accounts in question are outlined below : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$610.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$390.00} XXXX, XXXX, XX/XX/XXXX, {$3200.00} XXXX, XXXX, XX/XX/XXXX, {$330.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Late Payments : 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 2025-11-26 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 am writing to formally dispute certain accounts and items on my credit report that I believe to be inaccurate or incomplete. Below is a detailed list of accounts I am disputing with the respective credit bureaus. 

Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$54.00} Inquiries : XXXX XXXX, Date of Inquiry : XX/XX/XXXX Positive Accounts : [ No positive accounts listed ] Late Payments : 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 2025-11-26 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
{$6600.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
{$5600.00} This emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this CFPB complaint because Experian is reporting accounts that I believe contain inaccurate or incomplete information. I am requesting a full reinvestigation under the Fair Credit Reporting Act. 

Accounts in Dispute XXXX XXXX  Acct : XXXX Reported XX/XX/XXXX Balance : {$6600.00} XXXX  XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$1900.00} The dates, balances, and reporting details do not appear accurate, and these accounts are not being reported consistently across all credit bureaus. I am asking Experian to verify all information directly with the furnishers and to correct or remove anything that can not be fully validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
Reopening complaint as cfpb did not uphold their obligation to solve the problem including the illegal mobile check deposit limit. I have a right to my money and they can not legally refuse my deposit. 


On XX/XX/year>, I attempted to deposit a legitimate check for {$1500.00} into my SoFi account using the mobile app. The deposit was rejected because the amount was over my mobile deposit limit. I contacted SoFi customer service on two consecutive days, XX/XX/XXXX and XX/XX/year>, to request an increase to my limit. The representative stated that SoFi was completely unable to raise the limit and that it was a fixed policy. Their only suggestion was for me to go to a different bank to deposit my money, which is an unreasonable solution. I then requested to speak with a supervisor to address this policy. The representative denied my request. I specifically asked again to be escalated to a senior manager or a third-line supervisor, and I was unequivocally refused a second time. SoFi is preventing me from using the basic functions of my bank account. Their claim that the limit can not be changed seems deceptive, and their refusal to escalate my call to a manager is an abusive practice that leaves me with no path to solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TN

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute the accuracy of certain accounts and inquiries listed on my credit report. These accounts are in dispute, and I am requesting that they be reviewed and corrected as per the guidelines set forth under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by bureau : CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX 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  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  BANK XXXX 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
Netspend let hackers. Hack my account XXXX XXXX XX/XX/year>. Even before they let them take my ssi funds. They let them change account info. Like password. Email address & phone number associated with my account. So every month to access my funds I would have verify my identity. By taking pics of my id front & back. Along with a utility bill to prove my address. XX/XX/year> they let hackers take my entire ssi deposit & overdraft my account. I filed 2 disputes both were denied. Then they closed my account. Stating that my account had too much fraudulent issues. Please look into this matter for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 dispute the accuracy of the following account information on my credit report. If these accounts can not be verified, I request their immediate removal Inquiries : XXXX, Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
XXXX ROBINHOOD stated my account was limited & I needed to submit documents they requested. I Submitted All requested documents & eventually the app stated Robinhood was closing my account & would notify me in 3-4 days. 

XXXX through present : Ive received No contact or any return emails or calls from Robinhood and can not retrieve my money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
I am filing this complaint against Stillman Law Office for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and state licensing requirements. 

CRITICAL VIOLATION IDENTIFIED : UNLICENSED DEBT COLLECTION ACTIVITY Stillman Law Office is NOT LICENSED to collect debts in XXXX  Verified through XXXX Consumer Access database search No license number provided in any correspondence Operating illegally without state authorization ADDITIONAL VIOLATIONS : FDCPA 1692g ( a ) VIOLATION - Failure to provide debt validation notice FDCPA 1692g ( b ) VIOLATION - Continued collection without validation FDCPA 1692e ( 8 ) VIOLATION - Reporting unvalidated debt as verified FCRA 1681s-2 ( b ) VIOLATION - Furnishing inaccurate information STATE LAW VIOLATION - Collecting without required license SPECIFIC ISSUES : Stillman Law Office has never provided proper debt validation as required by law They are reporting unvalidated debt to credit bureaus as " verified '' They continued collection activities without providing validation The debt is disputed and they can not prove its validity THEY ARE OPERATING WITHOUT REQUIRED STATE LICENSING XXXX  Consumer Access search confirms NO LICENSE exists for this entity EVIDENCE PROVIDED : Certified mail receipt showing debt validation demand Credit reports showing illegal reporting XXXX  CONSUMER ACCESS SCREENSHOTS showing no license Complete correspondence history DESIRED RESOLUTION : IMMEDIATE DELETION of all credit reporting for this account CEASE ALL COLLECTION ACTIVITIES permanently PROVIDE PROOF of deletion from all credit bureaus PAY STATUTORY DAMAGES of {$1000.00} for FDCPA violations CORRECT ALL CREDIT REPORTING within XXXX business days CEASE ALL UNLICENSED COLLECTION ACTIVITIES in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is sueing me for a debt that they claim they bought. There is no documentation to prove that they legally bought the debt or that it is owed.. Therefore the ( XXXX ) credit bureaus are posting that this debt is a collection and it has also posted a zero amount/paid off. This account is unverified. I am requesrting that this account be removed from all ( 3 ) credit reports. There is no Bill of sale to prove they bought the debt. No original contract ; that I signed from the original creditor was provided. No chain of title provided. No account statements showing how they came up with the amount posted on my credit reports. ( {$4800.00} ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
ONLINE IN SV is falsely reporting on my credit. I have never had any accounts with them. Per my research ONLINE IN SV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am unconnected to these accounts and ask for their deletion within the 15-day period under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am dealing with XXXX XXXX XXXX They called me saying they were a debt collector for a company that bought our debt from Concora. 
I gave them a {$400.00} payment that was with ACH but the amount did not go through due to them saying it was a checking account instead of savings. After they threatened me about that I told them I would give them card info the next day if they called back. 
He ( XXXX XXXX told me once we make the {$400.00} payment there will be another payment after. 
He never called. Around XX/XX/XXXX they somehow pulled the {$400.00} from my account. I let it go because I was happy to have the amount to them. On XX/XX/XXXX they tried taking $ XXXX from the same account. No permission. 
I called the bank and stopped this payment with a stop payment fee. 
XXXX then called my wife and myself treating legal action and criminal action with state police. He would then hangup. 
My wife then looked at her credit and we do not have this amount in collections with any company and refused to give us proof of anything.

Company response to consumer: Closed with explanation