vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
I obtained a personal loan from SoFi on XXXX. Effective XXXX, I was ordered to XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 32U.S.C.502 ( f ). Shortly after my activation, I notified SoFi in writing that I wished to invoke the protections of the ServicemembersCivilReliefAct ( SCRA ) for this loan. 

To the best of my understanding, activation under 32U.S.C.502 ( f ) for more than XXXX consecutive days qualifies a servicemember for SCRA benefits, including the 6percent interestrate cap. However, SoFi has denied my request ( see attached denial letter ). 

I respectfully request that the CFPB review my case and confirmor, if appropriate, denymy eligibility for SCRA relief with respect to this loan. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-13 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-13 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: CA

Complaint narrative:
I have attempted to create a payment plan with XXXX XXXX to create a manageable way to bring my account back to active status prior to XX/XX/XXXX. XXXX XXXX was unable to meet my request for a payment plan of an amount that I can handle. So this resulted in my account continuing to be delinquent to the point where my account was charged off which I believe took place in XXXX of XXXX. As of XX/XX/XXXX, I had created a payment plan arrangement through the XXXX XXXXXXXX application for the amount I had previously requested from XXXX XXXXXXXX in the amount of {$120.00} payment per month on the XXXX day. Since that time, I have made on-time payments through XXXX of XXXX and my credit report is reflecting missed payments from XX/XX/XXXX to XX/XX/XXXX and I anticipate they will continue to report missed payments despite my payment arrangement. This is the core of the issue. If I am on a payment plan, I would expect my credit reporting to reflect on-time payments. Given my account is on a payment plan with XXXX XXXX. This reporting impacts all three credit bureaus and is causing undue harm in my ability to apply for housing and other everyday normal lending needs. I can furnish the payment arrangement plan as well as copies of my credit reporting in addition to payment confirmations of each of my on-time monthly payments. My desired outcome is to reflect at all payments made between XXXX and XXXX. XXXX and Beyond would be considered on time, assuming I continue to meet their requirements of my payment plan. Please advise and thank you. Don't hesitate to call with any questions. I also filed a dispute and it was indicated that Equifax was reporting allegedly reporting correctly even though it has not accounted for my payment plan. XXXX XXXX XXXX -XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-05-13 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX  Experian

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 2025-05-13 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: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-13 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: IN

Complaint narrative:
To Whom It May Concern : Subject : Request for Investigation and Correction of Inaccurate Late Payment Reporting Upon reviewing my recent consumer credit report, I noticed that late payments have been reported for the following account : Account Name : XXXX Account Number : XXXX I want to state clearly that I have always made timely payments on this account and have never missed a due date. The late payment entries are incorrect and misrepresent my payment history. 

As you know, Consumer Reporting Agencies have a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is accurate and up to date. In light of this, I respectfully request a thorough investigation into these discrepancies. I also request that you provide me with documentation or evidence supporting any reported delinquencies. 

If no such documentation exists and I am confident it does not I demand that the inaccurate late payments be promptly removed or corrected to accurately reflect my on-time payment history. 

Thank you for your prompt attention to this matter. I expect a written response within 30 days of your receipt of this letter, as provided by the 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 2025-05-13 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:
My credit report shows incorrect personal information, and because of that, accounts Ive never seen beforecompletely unrelated to meare showing up. Ive been a victim of identity theft, and my information was used without my consent. I followed protocol, filed an FTC identity theft report as directed by TransUnion, and submitted all necessary documents, but these fraudulent items still haven't been removed. Its unacceptable that this is still impacting my report.

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 2025-05-13 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: OH

Complaint narrative:
I am filing a complaint regarding inaccurate late payments being reported on my account ending in XXXX. I have disputed this information with both the credit bureaus and the furnisher, yet the late payments remain on my report without proper validation or documentation. 

Under 15 U.S. Code 1681s-2 ( a ), furnishers are required to report accurate information. Additionally, under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable investigation within 30 days. To date, neither party has provided sufficient evidence to justify the continued negative reporting. I am requesting immediate correction or removal of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I sent multiple requests via email, via their own website portal and via multiple different companies that they operate under asking for validation of debt to be sent to me since I have never received any correspondence, bills nor calls from this company. I found it placed on my credit report which is how I learned about the possible fraudulent account. I have finally sound a resurgent capital company that they also operate under phone number and spoke with a representative. When I supplied the last four numbers of my social security number to the automated system it was unable to find any information about an account with that number. It asked for an account number but I couldnt supply any information due to the fact I have never had any contact with this company ever. When finally speaking with a representative they stated clearly that they couldnt find any account information in reference to a dollar amount owed that it showed nothing and no original creditor information. I explain that there are laws in place about collections practices and they have to contact me and send some form of information that they are trying to collect a debt, the amount of the debt and the original creditor who the debt was with. Then I can verify if its correct and pay or make arrangements if true or dispute the debt and ask for verification of the debt with in 30 days of receipt of statement or contact. If disputed They have to supply all information that is required by law within 60 days and have to stop all collection attempts until then. Also removed from all credit reporting agencies due to possible fraudulent activity. She stated that she would send out all information within the 5 day period per law and I still have yet to receive any information. I disputed this account for {$2500.00} with all 3 major credit reporting agencies and experian deleted it immediately, transunion and equifax somehow stated they verified the information by my ss # and date of birth and amount owed. How is that verification of the information to be correct and legitimate. That is how they placed it on my report in the first place. Now they reported a new account under XXXX for a lower amount of {$2000.00} to experian after the delete of the prior account. But experian is stating they verified that the account is reporting correctly under the same conditions of ss # and dob only. I want proper verification of these debts. I want proof of verification process and verification information from all three credit reporting agencies. I have disputed all accounts if any truly exists and expect proof to be provided within the time allowed and all collection activities to stop including deleted from all reports until verification process is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 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 explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint as a victim of identity theft. After reviewing my credit reports with XXXX XXXX and TransUnion, I have identified multiple unauthorized accounts and hard inquiries that I never applied for, nor consented to. These entries are false, damaging to my reputation, and in direct violation of federal consumer protection laws. 

This is a direct request for your agency to enforce my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ) to compel the credit reporting agencies and furnishers to delete these items from my credit profile. I have enclosed supporting documentation including a government-issued photo ID, utility bill verifying my current address, and screenshots of the unauthorized accounts and inquiries. 



Fraudulent Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported across multiple bureaus, despite the fact that I did not authorize or open them. 



Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via Dealer These inquiries are impacting my credit score and are in direct violation of my consumer rights under FCRA if not initiated by me.

Applicable Laws and Violations : Fair Credit Reporting Act ( FCRA ) : 1681c-2 : Information resulting from identity theft must be blocked and removed.

1681g : I have the right to a full and complete file disclosure.

1681i : Furnishers and CRAs must reinvestigate disputed data within 30 days.

1681s-2 : A furnisher may not knowingly report false or fraudulent data.

Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors may not attempt to collect on fraudulent debts or continue to report them after receiving notice of identity theft.

FACTA ( Fair and Accurate Credit Transactions Act ) : I have the right to request fraud alerts and blocks of identity theft-related data

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 2025-05-13 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: MI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. XXXX XXXX XXXXXXXX # XXXXXXXX

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are XXXX Capital One accounts on my credit report showing a late payment in XX/XX/XXXX, which I believe is inaccurate. I have never been late on any Capital One account. Additionally, during XXXX XXXX XXXX, most of my accounts were under deferment arrangements with creditors due to XXXX. Under the CARES Act, I am protected from having any late payments reported during this time, even if a payment had been missed. I am formally requesting that Capital One remove the XX/XX/XXXX late payment from accounts ending in XXXX and XXXX. Please note that XXXX is the only credit bureau currently reporting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief