vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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 recently reviewed my credit report and discovered several inaccuracies. According to 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-11-03 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: TN

Complaint narrative:
I am formally disputing the accuracy and ownership of the following accounts and inquiries listed on my Equifax credit report. Due to recent nationwide data breaches and confirmed exposures of consumer data, I have reason to believe my personal information may have been compromised and used without authorization. 
Accounts in Dispute : Account Name : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1200.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$540.00} Account Name : XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX  EQUIFAX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: OR

Complaint narrative:
I am requesting that TransUnion reinvestigate the following items on my credit report to ensure they are being accurately and fairly reported. 

Charged-Off / Public Record Account in Dispute : BANKRUPTCY, Reported Date : XX/XX/2016, Reference # : XXXX, Amount : {$0.00}

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 2025-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I currently have money sitting in my savings account that belongs to me and my boyfriend. My boyfriend ( XXXX XXXX ) recently received his first paycheck from the new company he is working for but he was in the process of switching banks and asked to have his funds sent to my Capital One savings account while he figured it out. Capital One flagged this as fraudulent activity since the paycheck wasnt to my name and closed my account. They not only dont have a status on when XXXX receive those funds, they are now saying they will keep part of those funds to cover the negative balance I have in my checking account. A TRANSACTION I DID NOT AUTHORIZE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: OH

Complaint narrative:
I am submitting a dispute to TransUnion regarding the following accounts. I request that these items be thoroughly reviewed, and if any of them can not be verified, they be deleted from my credit report as required by the FCRA. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX, XXXX, XX/XX/XXXX, {$4700.00} XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$5800.00} XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$280.00} Inquiries : XXXX  XXXX, XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Late Payment : 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 2025-11-03 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:
The presence of unfamiliar public records on my credit report is distressing. I urge you to swiftly rectify this situation and update my credit profile accordingly. Your timely response to this issue is greatly valued.

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 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Issue : Debt collector is reporting a debt to the credit bureaus without providing validation. 

Details : I was contacted by Innovative Recovery regarding Account # XXXX for an alleged balance of {$450.00} related to a former apartment rental. I requested validation on XX/XX/year>, as allowed under 15 U.S.C. 1692g. I followed up again after receiving no complete verification. The collector has continued to report this account on my credit file without ever providing : Proof they are legally authorized to collect the debt.

A complete, itemized accounting of the balance.

Confirmation the account would be suspended from reporting while under dispute.

This violates both the FDCPA and the FCRA ( 15 U.S.C. 1681s-2 ). I am requesting the CFPB compel the collector to : ( 1 ) Provide full validation documentation ; or ( 2 ) Delete the tradeline from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccuracies and discrepancies in my credit report. The following items require investigation and correction to ensure that my credit file is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). Below is a list of the accounts in dispute, separated by each credit bureau. 
Charged Off Accounts in Dispute : XXXX  XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$1400.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX  XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$0.00} Dispute : The account is being reported incorrectly. Please verify and correct the information. 

XXXX Account : XXXX Reported : XX/XX/XXXX Balance : {$16000.00} Dispute : The account is being reported incorrectly. Please verify and correct the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO 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 non-monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report, as I believe the details provided by your bureau are either incomplete or inaccurate. 
The information that is being disputed includes derogatory accounts and hard inquiries, which I believe to be incorrect or need further verification. I request that you conduct a thorough investigation, correct the errors, and provide supporting documentation for the accuracy of these entries. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Disputed Information : XXXX. XXXX XXXX XXXX XXXX  XXXX Account # : XXXXXXXX XXXX  Status : Closed, with late payments reported as 30-120+ days late. 
o Comments : Consumer disputes reinvestigation in progress o Violation : Re-aging of delinquency and incorrect reporting of payment status. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX  Status : Closed, Charged Off. 
o Balance/Past Due : {$31.00} o Violation : Charged-off account not showing a XXXX balance. 
o Payment History : Reported 30-120+ days late. 
o Dispute : Consumer disputes pending. 
XXXX. XXXX XXXX XXXX  XXXX Account # : XXXX XXXX Status : Charged off as bad debt. 
o Balance/Past Due : {$31.00} o Violation : Incorrect charge-off reporting with outstanding balance. 
XXXX. XXXX XXXXXXXX XXXX  XXXX Account # : XXXXXXXX XXXX  Status : Closed, XXXX days past due. 
o Violation : Late reporting, possible re-aging issue. 
XXXX. XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX Status : Installment account with severe late payments. 
o Violation : Delinquency reports not consistent with the actual payment status. 
Hard Inquiries : XXXX. XXXX  XXXX XXXX  ( XX/XX/XXXX ) XXXX  Violation : No corresponding open account for the inquiry, potential FCRA violation. 
o Comments : Needs further investigation regarding permissible purpose of inquiry. 
XXXX. Experian XXXX ( XX/XX/XXXX ) XXXX Violation : No open XXXX account reported, needs clarification on permissible purpose.

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 2025-11-03 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: LA

Complaint narrative:
I respectfully request that the following accounts be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : XXXX Accounts : XXXX  : Account ending in XXXX, opened on XX/XX/XXXX with a balance of {$0.00}. 

XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$2500.00}. 

XXXX XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$3200.00}. 

XXXX XXXX XXXX XXXX : Account ending in XXXXXXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1000.00}. 

Late Payments : XXXX  : Account ending in XXXX XXXX XXXX XXXX XXXX, showing a late payment.

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 2025-11-03 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 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 explanation
Consumer complaint received 2025-11-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AZ

Complaint narrative:
I am disputing several accounts on my credit report because they were reported without my written authorization or consent. I never applied for, agreed to, or authorized any of these companies, creditors, or collection agencies to obtain or report my personal credit information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Reported a {$590.00} collection. I did not authorize this account or the reporting of it. 

XXXX XXXX XXXX Reported as a charge-off with delinquencies. I never opened or consented to this account. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX late payments and charge-offs. I never authorized this account or its reporting. 

XXXX XXXX XXXX XXXX Reported a charge-off. I never authorized this account or the reporting of it. 

XXXX XXXX XXXX XXXX  Reported a charge-off. I never authorized this account or the reporting of it. 

Other accounts reporting late payments or derogatory information None of these accounts were authorized by me. 

Because I never provided consent or authorization, I request that these accounts be investigated and removed if the companies can not verify proper authorization. No actions were taken by me that would have caused these accounts to appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute the following items on my credit report. I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 



CHARGED OFF : XXXXXXXX XXXX XXXX, XX/XX/year>, {$5800.00} LATE PAYMENTS : DEPTEDXXXX, XXXX DEPTEDXXXX, XXXX DEPTEDXXXX, XXXX DEPTEDXXXX, XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am writing to dispute several accounts listed on my Equifax credit report that I believe are the result of a data breach and unauthorized use of my personal information. I did not authorize or open these accounts and have reason to believe my personal information was compromised. 
Accounts in Dispute Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} Account Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Urgent : Formal Complaint Regarding Account Restriction and Mishandling by SoFi Bank To Whom It May Concern, My SoFi checking account was flagged for fraudulent activity on XX/XX/year>. I immediately contacted SoFi within the one-hour window of the notification and confirmed that the transactions in question were unauthorized. 

Since that time, I have spent numerous hours on the phone with various SoFi representatives attempting to restore access to my account. Despite following every requested procedureincluding providing photo ID verification and live photo validation multiple timesmy account remains restricted. 

On XX/XX/year>, at XXXXXXXX XXXX, I received an email from SoFi stating that all restrictions have been lifted and all functionality has been restored. This statement is false, as I still do not have normal access to my funds or account functions. 

This prolonged restriction has already resulted in financial losses, including returned payments and other damages directly caused by SoFis mishandling of my account. 

For transparency, the following representatives have been involved in this matter : XXXX Fraud Prevention Team XXXX  Customer Support Love Customer Support Supervisor ( who disconnected the call after a one-hour discussion ) XXXX XXXX Fraud Investigator ( multiple voicemails left without response ) At this point, unless SoFi resolves this matter immediately and restores my account functionality, I will be forced to engage legal counsel and pursue a formal complaint for : Illegally restricting access to my funds. 

Providing misleading written communication ; and Causing financial and emotional distress as a result of SoFis negligence and inaction.

Please escalate this issue to your Executive Resolutions or Compliance Department immediately. I expect a written response within 48 hours confirming the restoration of my account and acknowledgment of the financial impact caused by this error. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief