vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
I have disputed several accounts that are inaccurately reporting on my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have contacted both the credit bureaus and these companies multiple times, requesting verification and proof that these debts belong to me. To date, none of them have provided original signed contracts, applications, or documentation showing that I am responsible for these accounts. The information being reported also does not match my current address or identity, which makes it unverifiable. Despite my repeated written disputes, these furnishers and the credit bureaus have continued to report these accounts without performing a reasonable investigation as required under FCRA Section 611 ( a ) ( 1 ) ( A ). I have already filed a CFPB complaint and FTC Identity Theft Report regarding these inaccuracies, but the companies have still failed to correct or delete the false information. Their negligence is causing ongoing harm to my credit, my ability to obtain credit and housing, and my overall financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
THIS HAS BEEN VERY BAD AND I DONT KNOW WHAT WILL HAPPEN NOW BECAUSE THIS FRAUDULENT INQUIRY APPEARED ON MY NAME RANDOMLY AND NOW I AM TRYING TO MAKE IT NOT BE THERE BECAUSE IT IS NOT MINE AND THIS IS MAKING MY LIFE WORSE, THIS IS THE FRAUDULENT INQURY THAT I AM REPEATING IS NOT MINE AND IN MY LIFE I AMNOT ALLOWING THIS KIND OF STUFFXXXX XXXX XXXX XXXX I HOPE THIS IS SOMETHING THAT CAN BE FIXED BY YOU AND IS PART OF BEING A HUMAN I GUESS...

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 2025-10-08 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:
I am submitting a complaint to formally dispute the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX listed on my credit file. The account, which I opened on XX/XX/XXXX, is incorrectly reported as having a XXXX late payment in XX/XX/XXXX, even though my records show that all payments were made on time. My last payment on this account was made on XX/XX/XXXX, confirming that the account is current.This letter serves as my formal request under the Fair Credit Reporting Act ( FCRA ) to investigate and correct this inaccuracy. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am entitled to dispute any information on my credit report that I believe is incomplete or inaccurate.legally required to conduct a reasonable investigation of my dispute and remove or correct any information found to be inaccurate or unverifiable.Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain procedures to ensure maximum possible accuracy of the information reported. The current reporting of a late payment on this account is a clear violation of this standard, as it is factually incorrect.I also reference 15 U.S.C. 1681n, which outlines the liability for willful noncompliance with FCRA obligations. Reporting inaccurate information knowingly, or failing to conduct a proper investigation, could expose to liability under this statute.Finally, under 15 U.S.C. 1681s-2 ( b ), the creditor, XXXX XXXX XXXX must report accurate information once notified of a dispute. I have attached copies of my payment records showing the timely payments and request that update my account to reflect its correct status : current, with no late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: NJ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
SoFi would not tell me why a wire transfer to my XXXX XXXX XXXX XXXX Account for {$140000.00} was cancelled. All they kept repeating was that the money was successfully transferred to XXXX XXXX and then XXXX XXXX allegedly cancelled the transaction. I was sitting in the office with the XXXX XXXX Bank Manager, XXXX XXXX XXXX and XXXX XXXX could not find any record of a wire transfer from SoFi on XX/XX/year>. XXXX XXXX could not find any record of a wire cancellation either. 

So, SoFi then provided a Wire Transfer error code of XXXX that SoFi stated even they didn't know what that meant. XXXX XXXX said that code is not from XXXX XXXX and they did not recognize it either. Then SoFi provided " Federal Reference # XXXX '' and " Federal Return # XXXX '' as proof that wire transfer was completed and declined. XXXX XXXX did not recognize and could not verify those numbers either. So SoFi charged me a {$30.00} wire transfer fee and the money is still in my SoFi Banking Savings Account. XXXX XXXX verified that all of the account information and XXXX routing numbers presented to SoFi for the wire transfer were correct. Neither SoFi nor XXXX XXXX could say why the wire transfer was unsuccessful. XXXX XXXX reiterated that they did not see any evidence that a wire transfer was initiated by SoFi.

I told SoFi a week ago that this transaction is for a new home purchase and they responded by putting a one week hold on my accounts to review whether or not XXXX XXXX Bank is a real bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Equifax on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
SoFI BANK knew I was in the hospital when I contacted them to do a transfer and instead locked me out of my account using immigrants for no reason. They discriminated and suggested my money was from fraud instead of the government and made it a point to deny me due process in my transactions which left me homeless and hungry and in the hospital. The bank intentionally caused me emotional distress and XXXX. They also put me in danger of being XXXX by predators who stalk women on the streets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Debt collection on my credit report from Cain & weiner on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a booking with Amex travel with a hotel part of hotel collection in order to get the yearly XXXX $ credit. The promotion has been to book with Amex travel and pay with Amex card which I did. This was also to come with a XXXX $ credit to use at the hotel which they provided me. But A week after my travel I still didnt see the XXXX $ statement credit and I reached out to them and they said XXXX oh u dont qualify and I told them its hotel collection and meets the minimum XXXX nights requirement then they said it wasnt a prepaid booking when the whole time on the site it kept on noting on my booking this qualifies for hotel credit all the way u til I made the payment. Now was passed around to XXXX people to chat and all they tell me is that I can still use the updated benefit for XXXX $ for the year where they have increased the card fee by XXXX $ for the year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are credit inquiries on my report that were made without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit report act section 1681b ( c ) please validate this information and provide copies any or of all account with my signature authorization of an inquiry with my signature inquiries need to be deleted Title 15 USC 1692 ( a ) 3, title 15 chapter 41, title 15 USC 1681s-2 all inquiries hard/soft need to be removed 15 USC 1681s-2 ( b ) everyday they are not removed XXXX per violation, XXXX identity theft fine. 

The FCRA also requires that consumer reporting agencies follow certain procedures before inserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the CRA 's requirements for handling consumer disputes XXXX numerous ways. Specifically, the CFPB alleges that experian, transunion, equifax is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian, equifax, transunion uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian Equifax transunion routinely and uncritically accept the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when Experian equifax transunion has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian equifax transunion sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SIENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALEGED DEBT NOR THEREFORE ANY SUCH DEBT IN PACT THEREFORE EXISTS

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was scammed through zelle and they did nothing. I called over XXXX times and I showed them proof of the scam or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
This serves as my third formal dispute regarding inaccurate, outdated, and unauthorized information that continues to appear on my credit reports despite previous investigations. I am requesting permanent removal, not correction, of the following accounts and inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 
My credit file still reflects a Late Closed Account from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ) * *. This account is being inaccurately reported and violates FCRA 611 ( a ) which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting data they know or should know is inaccurate, and FCRA 607 ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. Additionally, under FCRA 605B 15 U.S.C. 1681c-2, unverifiable or inaccurate data must be blocked or permanently deleted upon the consumers request. 
My file also shows a Charged-Off Account from XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ) * * that is being reported in violation of the same FCRA provisions above. Since this account was settled and no longer carries a balance, its continued reporting as charged off misrepresents the true status of my credit and is damaging to my reputation and score. I am demanding that this entry be permanently deleted from all credit files. 
Furthermore, my report includes unauthorized inquiries that were never approved by me nor related to any credit applications I initiated. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 604 ( a ), a consumer report may only be accessed for a legitimate and permissible purpose, such as a credit transaction initiated by the consumer. Since I did not authorize or apply for credit with any of the companies above, these inquiries are unlawful. FCRA 604 ( f ) further prohibits any person or business from obtaining a consumer report without permissible purpose, and FCRA 605B provides me the right to have such unauthorized data blocked or permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
This serves as my third formal dispute regarding inaccurate, outdated, and unauthorized information that continues to appear on my credit reports despite previous investigations. I am requesting permanent removal, not correction, of the following accounts and inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ). 
My credit file still reflects a Late Closed Account from XXXX ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ) * *. This account is being inaccurately reported and violates FCRA 611 ( a ) which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting data they know or should know is inaccurate, and FCRA 607 ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. Additionally, under FCRA 605B 15 U.S.C. 1681c-2, unverifiable or inaccurate data must be blocked or permanently deleted upon the consumers request. 
My file also shows a Charged-Off Account from XXXX ( Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ) * * that is being reported in violation of the same FCRA provisions above. Since this account was settled and no longer carries a balance, its continued reporting as charged off misrepresents the true status of my credit and is damaging to my reputation and score. I am demanding that this entry be permanently deleted from all credit files. 
Furthermore, my report includes unauthorized inquiries that were never approved by me nor related to any credit applications I initiated. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under FCRA 604 ( a ), a consumer report may only be accessed for a legitimate and permissible purpose, such as a credit transaction initiated by the consumer. Since I did not authorize or apply for credit with any of the companies above, these inquiries are unlawful. FCRA 604 ( f ) further prohibits any person or business from obtaining a consumer report without permissible purpose, and FCRA 605B provides me the right to have such unauthorized data blocked or permanently removed.

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 2025-10-08 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: NJ

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ] and [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-10-08 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: NY

Complaint narrative:
I am filing a complaint because Experian is reporting a collection account from XXXX XXXX XXXX that is inaccurate and unverifiable. The account shows a balance of {$620.00}, last updated on XX/XX/year>, but I have not received any validation or documentation confirming that this debt is valid or belongs to me. 



I have never received notice from XXXX XXXX XXXX or the original creditor with details about this alleged account. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), Experian and XXXX XXXX XXXX are required to ensure that any information reported on my credit file is accurate, complete, and verifiable. 



I contacted Experian to dispute this item, yet it remains on my credit report without proof or validation from the furnisher. This inaccuracy is negatively impacting my credit profile and score.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Chime numerous times and reporting discrepancies, my financial institution and Chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation