vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
SoFi claims theywill give you {$250.00} for opening the account but they don't do it. I was told that my jobs direct deposits did not qualify for some reason. I can't control how the money is deposited into the account. I should have been granted the {$250.00} bonus as advertised. I asking for someone to step in and help me out here because this is totally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: KY

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 XXXXXX/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 2025-06-18 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LPI, INC.
State: FL

Complaint narrative:
XXXX sent a threatening email saying i am committing and offense if i have intent of harming property or stopping them from picking up said property. the property is available for pick up at anytime. they are harassing me with threatening letters, threatening legal action. etc all of which is illegal for debt collection. the letters include definitions in all caps. RED BOLD LANGUAGE IN ALL CAPS. and highlights all in an attempt to scare me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: EdFinancial Services
State: LA

Complaint narrative:
I did not authorize this transaction nor did I give the XXXX, permission to do anything in my name. 

I have tried for several years to get this corrected with EDFINANCIAL SERVICES. As of today nothing has been transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
" I found an inaccurate negative item on my credit report. contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. '' XXXX. Legal. Powerful. 

MIDLAND CREDIT MANAGEM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
i have sent letters to transunion and equifax for reporting inaccurate and incomplete information on my credit report and they have not investigate it nor delete it from my profile. the account have no account numbers and missing data which is a violation of the fcra and need to be punished. it has stop me from getting credit in my name for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
i have sent letters to XXXX and XXXX for reporting inaccurate and incomplete information on my credit report and they have not investigate it nor delete it from my profile. the account have no account numbers and missing data which is a violation of the fcra and need to be punished. it has stop me from getting credit in my name for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NC

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 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account that you are reporting to the credit bureaus regarding an alleged debt from OPORTUN XXXX. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with XXXX XXXX XXXX, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request verification of this debt and to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) as it is unverified and disputed. Please respond to this dispute in writing within XXXX  days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian or Equifax is punishing me and will no longer allow me to dispute online after they had breaches and Ive supplied my driver license

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 2025-06-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding a debt claim reported by Trellis Company, which I believe violates my constitutional rights and has caused me undue harm. According to Article I, Section 10 of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this provision, I assert that any demand for payment not involving lawful gold or silver coin is constitutionally questionable. Furthermore, any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, clearly establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these constitutional requirements, I was subjected to collection efforts and credit reporting by Trellis Company without ever receiving proper sworn validation. Although I submitted a formal request for verification of the alleged debt, no sworn affidavit or legal affirmation under penalty of perjury was provided in response. I consider this a direct violation of my rights and a contributing source of significant financial and reputational harm. 

I also reference XXXX XXXX XXXX, signed during the Trump administration, which states that the U.S. financial system should promote adherence to the Constitution and uphold standards of transparency and accountability. It is my view that Trellis Company 's conduct runs contrary to these principles and requires immediate oversight and redress. 

In light of the above, I respectfully request the following : That all records and account information related to Trellis Company be fully investigated and that any debt not validated by sworn affidavit be deemed invalid and uncollectible. 

That all negative credit report entries associated with Trellis Company be removed, along with entries from XXXX XXXX, with whom I am presently involved in a fraud caseCase No. XXXX well as any other inaccurately or improperly reported accounts. 

That the Consumer Financial Protection Bureau pursue appropriate enforcement or remedial actions to ensure full compliance with constitutional protections, proper debt validation procedures, and responsible credit reporting standards. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CT

Complaint narrative:
I am writing to dispute an unauthorized inquiry that appears on my credit report. Let me be very clear : I did not authorize this inquiry, and it was made without my consent or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). Because of that, it has no legal standing to remain on my credit file.

Under the FCRA ( 15 U.S.C. 1681b ), no party has the right to access or pull a consumer 's credit information without a legitimate, legally permissible reasonand absolutely never without the consumers explicit authorization. In this case, that did not happen. I never initiated contact, never applied for credit, and never gave permission for this entity to access my credit file. This is a clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
This is a follow up to CFPB XXXX # XXXX ( closed on XX/XX/XXXX ). Avant 's response did not provide the loan-sale documents need to verify who bears the economic risk. 
Please require Avant/WebBank to disclose : ( a ) the Loan Purchase Agreement, ( b ) the date Avant bought the receivable, ( c ) the % of credit risk XXXX retained. 

Absent proof, Texas usury law governs and interest is forfeited ( XXXX, XXXX ). 

On XX/XX/XXXX I sent via certified mail a Regulation Z document-request letter asking Avant/WebBank to produce the Loan-Purchase Agreement and risk-retention schedule ; no documents have been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am disputing the continued reporting of a charge-off by Discover Bank XXXX The account was charged off in early XXXX, with my last payment made on XX/XX/XXXX just before the XXXX national emergency declaration. 

Due to immediate financial hardship brought on by the pandemic, I was unable to bring the account current. I was not made aware of any forbearance or assistance options at that time, and no effort was made to resolve the account outside of charge-off status. 

Despite being charged off more than XXXX  years ago, Discover continues to report the account as charge-off every single month through XX/XX/XXXX. This monthly updating creates an artificially negative and misleading impact on my credit report, making it appear as though I am continuing to default, despite no activity since XXXX. 

This violates the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ), which requires furnishers to report data that is not just technically accurate, but not misleading. In addition, the continued reporting of a pandemic-era financial hardship with no resolution or update is punitive and disproportionate to the event that caused it. 

I am requesting that this account be deleted entirely, or at minimum, updated to reflect the accurate date of last activity, with no additional charge-off remarks past the XXXX closure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
TransWorld Systems has contacted me on XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. Dates of occupancy for an apartment are XXXX XXXX XXXX, racking up debt of {$2200.00}. 
I have never lived in Texas, nor visited there. 
I am a victim of Identity theft, with XXXX previous apartment leases in the XXXX worth area during the same period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$82.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$330.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$78.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$180.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$620.00} XXXX # XXXX XX/XX/XXXX -- {$1200.00} XXXX  # XXXX XX/XX/XXXX -- {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$73.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) # XXXX XX/XX/XXXX -- {$23000.00} INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-18 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: NC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief