vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws. 

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

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 2025-04-23 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: LA

Complaint narrative:
I am filing this complaint due to the continued collection activity and reporting of an alleged debt by the above-referenced company, despite my lawful demands for verification and documentation under multiple consumer protection laws.

I have formally disputed this alleged debt and requested that the company : Provide a certified copy of the original agreement, signed by me, that legally establishes the alleged obligation ; Produce documentation proving mutual acceptance and execution of the contract by both parties, per Louisiana contract law ; Provide an itemized accounting of the debt ; Disclose any insurance claims, charge-offs, or 1099-C forms related to the account ; Clarify the legal basis for continued credit reporting if the debt has been forgiven, settled, or charged off.

Despite these lawful requests, the company continues to report inaccurate and unverifiable information to consumer reporting agencies in violation of : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Internal Revenue Code and 26 CFR 1.6050P-1 Louisiana Civil Code, Articles 19271983 Privacy Act of 1974 5 U.S.C. 552a Privacy Act Violation and Opt-Out Notification Additionally, under the Privacy Act of 1974, I submitted a written and signed opt-out request via certified mail to the company, expressly stating the following : I formally opt out of all data sharing with credit reporting agencies, affiliates, third-party collectors, and data aggregators ; I hereby demand that the company cease and desist from reporting or distributing any of my personal, financial, or credit-related information, effective immediately and indefinitely ; I expressly revoke any and all prior consent or authorizations, whether written, non-written, verbal, non-verbal, implied, or assumed, that may have been previously given to the company to report, share, or disclose my personal financial data.

Despite this lawful and properly delivered notice, the company continues to furnish or update my private financial data to third-party agencies, in direct violation of my federally protected privacy rights and revocation of authorization.

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 2025-04-23 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:
To the Consumer Financial Protection Bureau, I am writing to file a formal dispute and complaint regarding multiple negative and charged-off accounts currently reported on my credit files by Experian, Equifax, and TransUnion. These accounts are reported inaccurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Credit Reporting Standards used by furnishers. 

Disputed Accounts : XXXX XXXX  Experian : 3 charge-off accounts ( account numbers ending in XXXX, XXXX, and XXXX ) show inconsistent balances, overlapping statuses, and improperly extended charge-off periods beyond Metro 2 guidelines. 

XXXX XXXX XXXX Experian : Charged off with no consistent payment history or accurate last activity date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Medical debt never verified under 15 USC 1692g ; reporting without timely validation. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXXXXXX XXXX  TransUnion : These collection accounts have unverifiable statuses and conflicting reported timelines violating FCRA 607 ( b ) and Metro 2 Date of First Delinquency guidelines.

Basis of Dispute Metro 2 Inconsistency : Charge-off reporting dates and balances are not synchronized across bureaus, violating the standard format established for uniform credit reporting and likely skewing score models and creditworthiness.

Lack of Proper Verification : I have never received any original signed documentation substantiating these debts or showing chain of title proving the collectors right to report. Extended Negative Reporting : Some charge-offs list continuation of late statuses well beyond Metro 2 allowable windows, misleading future creditors and artificially suppressing my credit score. FCRA Violations : Incomplete or unverifiabl
e data must be removed within 30 days ( 15 U.S. Code 1681i ). These accounts continue to be reported despite no verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to file a formal dispute and complaint regarding multiple negative and charged-off accounts currently reported on my credit files by Experian, Equifax, and TransUnion. These accounts are reported inaccurately and are in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Credit Reporting Standards used by furnishers. 

Disputed Accounts : XXXX XXXX  Experian : 3 charge-off accounts ( account numbers ending in XXXX, XXXX, and XXXX ) show inconsistent balances, overlapping statuses, and improperly extended charge-off periods beyond Metro 2 guidelines. 

XXXX XXXX XXXX Experian : Charged off with no consistent payment history or accurate last activity date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : Medical debt never verified under 15 USC 1692g ; reporting without timely validation. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX / XXXXXXXX XXXX  TransUnion : These collection accounts have unverifiable statuses and conflicting reported timelines violating FCRA 607 ( b ) and Metro 2 Date of First Delinquency guidelines.

Basis of Dispute Metro 2 Inconsistency : Charge-off reporting dates and balances are not synchronized across bureaus, violating the standard format established for uniform credit reporting and likely skewing score models and creditworthiness.

Lack of Proper Verification : I have never received any original signed documentation substantiating these debts or showing chain of title proving the collectors right to report. Extended Negative Reporting : Some charge-offs list continuation of late statuses well beyond Metro 2 allowable windows, misleading future creditors and artificially suppressing my credit score. FCRA Violations : Incomplete or unverifiabl
e data must be removed within 30 days ( 15 U.S. Code 1681i ). These accounts continue to be reported despite no verification.

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 2025-04-23 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: TX

Complaint narrative:
Please remove these following fraudulent items from my credit report as they are a threat to my financial wellness, and making it difficult to obtain credit. The fraudulent accounts are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
Please remove these following fraudulent items from my credit report as they are a threat to my financial wellness, and making it difficult to obtain credit. The fraudulent accounts are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Ive had a SoFi credit card since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been late, kept the account in good standing, and recently paid off the entire balance in full. Shortly after doing so, SoFi abruptly closed the credit card and reduced my credit availability. 

The reason? A completely separate issue with my personal checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which I opened in XXXX. That account had a fraudulent transaction totaling {$660.00}. I was the victim of identity theft and immediately provided : A police report An FTC Identity Theft Affidavit A formal written dispute Despite this, SoFi failed to conduct a proper investigation, closed my checking account as a charge-off, and then closed my credit card account, even though it had no connection to the fraud. 

I find this to be deeply unfair and biased. If I was willing to pay {$1500.00} to pay off my credit card, of which had a {$3000.00} limit, why would I ignore a much smaller {$660.00} fraud amount if I were responsible? That makes no senseand SoFi knows it.

Their actions violated my rights under the FCRA and FCBA. I am requesting : A reinvestigation of the fraudulent checking account transaction and removal of the charge off amount Reinstatement of both accounts Removal of any negative credit reporting A written explanation of the decision-making process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
This credit card company reported my late payments incorrectly. They also reported that they charged off this account every month since it was closed in XX/XX/XXXX. They continued to report to the credit bureaus that the account was charged off up until XX/XX/XXXX. In reality, the account was only charged off once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. SEE ATTACHED DOCUMENT.

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 2025-04-23 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: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/ and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THIS INCORRECT INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THIS INCORRECT INFORMATION FROM MY CREDIT REPORT. THANK YOU.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year>2025 I went on annual Free credit report requesting for my report from Equifax to be sent to me and I got a letter stating that I couldnt do it and if I want to go through the company, I will have to pay {$7.00} to them in order for them to send it to me now thats not what it states on annual credit report it says you can get weekly. I received a letter on XX/XX/year>2025 from them basically stating that I will have to send the money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NJ

Complaint narrative:
XXXX I first placed a call to amsher collection once I recognized fraudulent charges were posted to my credit report being a victim of recent identity thief & yet counteracting fraudulent activityamsher wanted more info from me such as ss # to look up acct, I told them I didnt feel comfortable giving that info to resolve an acct thats fraudulent & doesnt belong to me.I only gave them my name.Amsher said well we cant find acct. 

Called XXXX XXXX to report acct reported to amsher collection is not my acct & that I never did business with them.Was getting no where, asked for their fraudulent dept because I resolved other fraudulent accts posted to my credit report through there fraudulent dept, I was lead to believe representative was taking info while we were communicating & then XXXX XXXX representative hung up the phone. 
According to my financial history I pay my bills, it would make no sense not to pay this one if it were really mine.We were {$100000.00}. in debt XXXX  XXXX time in our financial journey but instead of filing for bankruptcy or not paying our debt we continued until we paid all off. 
Some criminals somehow got & used our info to hack our finances this year, it was brought to our attn on XX/XX/XXXX when they locked my husbands phone, turned on his credit cards & tried to transfer, deposit, withdraw money. 
Also used husbands account to infiltrate my account. 
Thank God we got an early start on counteracting the craziness because we didnt know what was happening until we took my husbands phone to our phone co. & still had no idea to what extent this madness would extend. 
Never even checked our credit report after XXXX years of living now well checking daily or more to stay in front of the thieves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief