vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report as outlined below. I ask that the credit bureaus review, verify, and remove any items that can not be validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}

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 explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX XXXX XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXXXXXX 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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
My virtual debit card was stolen and used to transfer money out of my account into a cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the late installment payments reported on my credit file for the above-referenced account. These late entries occurred during a documented financial hardship that temporarily affected my ability to make payments on time. I am requesting an FCRA-compliant reinvestigation and removal of these late payment notations if they can not be fully verified for accuracy and completeness. During the period in question, I experienced a significant and unexpected hardship that directly impacted my income and financial stability. Specifically my laps in jobs at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: OR

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and credit score.

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed.

Unfortunately, that assurance has not been honored, as these inquiries persist on my report.

This failure to fulfill the commitment is unacceptable.

The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft.

This unresolved matter continues to cause significant emotional and financial distress.

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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: The Aligned Company DBA Extra
State: TN

Complaint narrative:
Extra Card Starting XX/XX/year> tried to charge me XXXX for an electric bill but the payment didn't go thru I ended up calling my electric company and paying the bill with another card/ account. Extra still tried to say I owed Extra the money because Extra paid the electric bill so they took it out of my account. I called the electric company who stated no Extra card was declined, but your other card went thru, we did not receive a payment from Extra card. I told Extra this and a reversal payment did appear, but I still owe EXTRA money close to {$45.00} or less. I then tried to get back on the EXTRA app which mind you is the only way to pay and now it is just circulating but saying I owe money. I need to be able to access the app so I do not become late on my payment to Extra for the money I still owe. If the app is not fixed all payments I owe need to go away or there needs to be a different way to pay, or can not report payment no received on my Credit Report. I have reached out thru email and voice about this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Continue calling after asked not too or blocked. And I work nights so Im sleeping when they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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.

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

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive already corresponded at length with Wells Fargo. they have taken almost {$3000.00} out of my account and refuse to return it. The original dispute happened on XX/XX/25. Now they tell me it will not be until XX/XX/XXXX or AFTER until they get back to me about the fraud perpetrated on my account.

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 2025-12-08 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: WA

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report as outlined below. I ask that the credit bureaus review, verify, and remove any items that can not be validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: SC

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

Company 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 2025-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
We were evaluating who to refinance {$90000.00} of XXXX student loans with in XX/XX/year>. We called SOFI in XX/XX/year> to verify and confirm that if XXXX XXXX XXXX XXXX XXXX XXXX  that her new loan with SOFI could be deferred at that time. We were told YES by SOFI.

When contacting SOFI to proceed with paperwork for the deferral this XX/XX/year>, we were informed last week that deferral means you can defer the principal portion of the payment but must begin paying the interest portion this month. We were shocked. We filed a complaint. They listened to the recorded call and XXXX XXXX agree that that disclosure was NOT made, and we WERE told the entire payment would be deferred. However, we were then told that the person that told us that on a recorded call last XXXX was not in the correct department to be able to make that statement, that they had made a mistake and that person should have transferred the call that day to the proper department and had they done so, we would have been provided a different answer. So, they adXXXX XXXX XXXX that they made the mistake yet refuse to honor what we were told. 

On XXXX the rep from SOFI that was evaluating our complaint ( who had listened to the call and agreed with us that we were misled ) called to tell us that his request was turned down attempting to correct the situation. He apologized and said it was out of his hands and that there is NO WAY at SOFI to speak to anyone above him to further dispute how we were misled. All he offered to do was provide the contact for the SOFI legal department. 

We then received a XXXX follow up email from the SOFI rep that contradicts what he said on the phone and contains an outright lie about how we were lied to on a recorded call in XX/XX/year>. 

Our advice : do NOT do business with SOFI, as they can not be trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing a {$540.00} collection that I.C. System, Inc. is reporting on my XXXX credit report for XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$540.00} ). 
I sent I.C. System a written debt validation request by certified mail on XX/XX/XXXX. Instead of validating this {$540.00} account, they mailed me documents for completely different XXXX accounts with different agreement numbers, different dates, and a much higher balance of {$1200.00}. One of the accounts they used in their validation was previously deleted from my credit report in a prior dispute.

None of the documents they sent match the {$540.00} account that appears on my XXXX  report. They merged multiple accounts together and failed to provide any documentation proving the specific {$540.00} debt they are reporting. 
I believe this violates the FDCPA ( failure to validate the debt and misrepresenting the character/amount of the debt ) and the FCRA ( furnishing inaccurate information to 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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I bought a XX/XX/XXXXXXXX the company turned out to be a fraud I requested a refund XXXX refunded it first to credit on sit then I asked for it to be refunded to my card they say they did. The credit card company says they gave me a credit but I wasnt able to spend it so that means it was never available to my balance for use so when the credit hit my account capital one went in a took the credit out of my account were it never was there to use an are telling me that I used the credit this is as me dirty tactic these banks did with over drafts automated system says the transaction show 4 times on my account.

Company response to consumer: Closed with explanation