vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
sent another letter today, This letter constitutes my FIFTH formal written request, within a twelve-month period, for competent and verifiable evidence of the aforementioned debt item that are reporting on my credit file. the previous failures to adequately respond to my disputes and provide this validation are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable investigation of any dispute. 
I have demanded that they provide me, immediately, with all documents and records they relied upon to verify the accuracy of this debt. As per the FCRA and applicable case law, they are required to conduct a reasonable re-investigation, and if an item can not be verified, it must be permanently deleted. they have stated that this will be another investigation in 90days! they have NEVER sent the verification information that was requested! NEVER! they are not even coming close verifying the information. As mentioned, THIS IS MY 5TH LETTER TO ALL 3 AGENCIES REQUESTING THE INFORMATION THEY USED TO VALIDATE THE DEBT! THEY NEED TO REMOVE THESE ASAP! 
I have previously disputed this item on the following dates:XXXX XXXX XXXX XXXX Each request was either ignored, inadequately responded to, or resulted in a generic form letter without the specific documentation requested. 
If you are unable or unwilling to provide this documentary evidence within five ( 5 ) calendar days of receiving this letter, you are required by law to PERMANENTLY DELETE this account from my credit report in its entirety. Your continued reporting of an unverified debt is willfully negligent and unlawful. 

This is their final opportunity to resolve this matter administratively. the failure to comply with this demand will leave me with no alternative but to pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
sent another letter today, This letter constitutes my FIFTH formal written request, within a twelve-month period, for competent and verifiable evidence of the aforementioned debt item that are reporting on my credit file. the previous failures to adequately respond to my disputes and provide this validation are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires you to conduct a reasonable investigation of any dispute. 
I have demanded that they provide me, immediately, with all documents and records they relied upon to verify the accuracy of this debt. As per the FCRA and applicable case law, they are required to conduct a reasonable re-investigation, and if an item can not be verified, it must be permanently deleted. they have stated that this will be another investigation in 90days! they have NEVER sent the verification information that was requested! NEVER! they are not even coming close verifying the information. As mentioned, THIS IS MY 5TH LETTER TO ALL 3 AGENCIES REQUESTING THE INFORMATION THEY USED TO VALIDATE THE DEBT! THEY NEED TO REMOVE THESE ASAP! 
I have previously disputed this item on the following dates:XXXX XXXX XXXX XXXX Each request was either ignored, inadequately responded to, or resulted in a generic form letter without the specific documentation requested. 
If you are unable or unwilling to provide this documentary evidence within five ( 5 ) calendar days of receiving this letter, you are required by law to PERMANENTLY DELETE this account from my credit report in its entirety. Your continued reporting of an unverified debt is willfully negligent and unlawful. 

This is their final opportunity to resolve this matter administratively. the failure to comply with this demand will leave me with no alternative but to pursue all available legal remedies.

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 2025-10-28 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 am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: SC

Complaint narrative:
I am filing a complaint regarding inaccurate and unauthorized personal information listed on my credit report. The following addresses have been incorrectly reported : " XXXX XXXXXXXX XXXX XXXX  MA XXXX '', " XXXX XXXX XXXX, XXXX XXXX MA XXXX '', " XXXX XXXX XXXX, XXXX '' and " XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ''. I do not live at these addresses, and they are inaccurate. I request their immediate removal from my credit file. Additionally, the word " XXXX '' has been mistakenly included in my address information. This is an error, and I do not consent to its inclusion. My correct and current address is : " XXXX XXXX XXXX XXXX XXXX, SC XXXX ''. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), consumer reporting agencies are required to ensure the accuracy of all information reported. The reporting of inaccurate addresses without my consent violates my privacy rights under 15 USC 1681b ( 2 ).

Given that the FTC is currently unavailable due to the government shutdown, I am requesting the CFPB 's assistance in addressing this issue promptly. I ask that the CFPB intervene to ensure that my credit report is updated with the accurate information and that the erroneous addresses are removed immediately. I trust that the CFPB will take the necessary steps to ensure compliance with XXXX  law and protect my rights.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
They restricted my account account with no explanation as to why they did I have money on there that I XXXX  get off and they told me that I XXXX  take it off until the account is closed because I had filed a dispute because they overcharged my card and the money that I had on there was for my rent they told me that there is no way that they can release my funds until the dispute is final and XXXX  closed my account not a check. I was supposed to pay rent on the XXXX. It is now the XXXX and they still XXXX  release my funds or give me a reason why they restricted my account and XXXX  saying that XXXX  XXXX  going to close it. XXXX literally just taking my money at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-28 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America approved several debit card transactions when there were not sufficient funds available, causing my account to become overdrawn by approximately {$110.00}. I was not notified that the transactions would be allowed into a negative balance. I attempted to resolve this with customer service and was told to contact the merchant even though this was not a merchant error. I am experiencing financial hardship and I am unable to bring the account positive at this time.

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 2025-10-28 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-28 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: CA

Complaint narrative:
Multiple accounts are appearing on my credit report that I never opened, authorized, or managed. These entries are inaccurate and misleading, and they create a false record of my financial history. I take my credit profile seriously, and the presence of these unauthorized accounts has caused me significant distress, financial harm, and undue inconvenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: IN

Complaint narrative:
XX/XX/year> the amount I got was XXXX there charging a XXXX percent interest rate, And Im XXXX and didnt have my XXXX  and was XXXX  when I signed I didnt even know how much it was gon na be, I was desperate trying to keep the bills payed Im the only one in my household thats works and didnt understand how much it was going to be can you please help me its making my XXXX  worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 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: LA

Complaint narrative:
Item disputed US DEPT OF THE TREASURY XXXX Issue type Account ownership and fraud issues Issue This is not my account. 
Confirmation # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I am reporting inaccurate information that's reported on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OR

Complaint narrative:
XXXX I am filing this complaint because there is inaccurate and inconsistent information being reported across the XXXX major credit bureaus Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Certain tradelines on my credit report show different account balances, payment histories, or statuses between the XXXX bureaus. This information is being reported by the same furnisher but does not match across reports, indicating a failure to maintain accuracy and consistency. 

I have disputed these inaccuracies directly with the credit bureaus and/or furnishers, but the issue has not been corrected. As a result, the inconsistent reporting is negatively affecting my XXXX XXXX and overall creditworthiness. 




-- - Details about the inaccurate information : XXXX Creditor/Furnisher Name : XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX Account Number : Type of Account : [ Credit card / Auto loan / Collection, etc. ] Problem : [ e.g., Experian and Transuion and Equifax are reporting different amounts, payment dates etc due differently which is having a negative impact on my XXXX XXXX Date you noticed the error : [ MM/DD/YYYY ] Date you disputed it ( if applicable ) : [ MM/DD/YYYY ] -- - What I want the company or bureau to do : XXXX I am requesting that the Consumer Financial Protection Bureau review this matter and require the furnisher and the credit bureaus to : XXXX. Conduct a full reinvestigation of the inconsistent tradeline ( XXXX ). 


XXXX. Provide documented verification of the correct data. 


XXXX. Delete or correct any unverifiable or inaccurate information. 


XXXX. Ensure that all XXXX  bureaus reflect the same accurate and verified information as required under the FCRA. 



I would also like confirmation once the data has been corrected and that no further inconsistent reporting occurs in the future. 




-- - > FCRA 607 ( b ) Requires credit bureaus to ensure maximum possible accuracy of information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 611 Requires a reasonable investigation of disputed information within XXXX  days.

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 2025-10-28 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: OR

Complaint narrative:
XXXX I am filing this complaint because there is inaccurate and inconsistent information being reported across the XXXX major credit bureaus Experian, Equifax, and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Certain tradelines on my credit report show different account balances, payment histories, or statuses between the XXXX bureaus. This information is being reported by the same furnisher but does not match across reports, indicating a failure to maintain accuracy and consistency. 

I have disputed these inaccuracies directly with the credit bureaus and/or furnishers, but the issue has not been corrected. As a result, the inconsistent reporting is negatively affecting my XXXX XXXX and overall creditworthiness. 




-- - Details about the inaccurate information : XXXX Creditor/Furnisher Name : XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX Account Number : Type of Account : [ Credit card / Auto loan / Collection, etc. ] Problem : [ e.g., Experian and Transuion and Equifax are reporting different amounts, payment dates etc due differently which is having a negative impact on my XXXX XXXX Date you noticed the error : [ MM/DD/YYYY ] Date you disputed it ( if applicable ) : [ MM/DD/YYYY ] -- - What I want the company or bureau to do : XXXX I am requesting that the Consumer Financial Protection Bureau review this matter and require the furnisher and the credit bureaus to : XXXX. Conduct a full reinvestigation of the inconsistent tradeline ( XXXX ). 


XXXX. Provide documented verification of the correct data. 


XXXX. Delete or correct any unverifiable or inaccurate information. 


XXXX. Ensure that all XXXX  bureaus reflect the same accurate and verified information as required under the FCRA. 



I would also like confirmation once the data has been corrected and that no further inconsistent reporting occurs in the future. 




-- - > FCRA 607 ( b ) Requires credit bureaus to ensure maximum possible accuracy of information.

FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 611 Requires a reasonable investigation of disputed information within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
Bank errors in billing and reporting have caused significant damage to my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to ensure that all payments and credits are accurately reflected. However, payments I made were not properly recorded, and there are clear miscalculations in the reported balances. Furthermore, I was never provided the mandatory 21-day notice before a payment was due, which makes the reported late payments invalid. These inaccuracies constitute a violation of federal law and have unfairly impacted my credit profile.

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 2025-10-28 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: GA

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL

Complaint narrative:
Select Portfolio Servicing Inc. sold my loan to XXXX XXXX XXXXXXXX under the name of XXXX XXXX on XX/XX/year> with effective date of loan transfer on XX/XX/year>. 
XXXX XXXX therefore believes that I became their loan customer and must have paid XXXX payment to them.

Select Porfolio Servicing Inc. refused to cancel autopayment scheduled for XX/XX/year> and XXXX ACH wire payment therefore was cleared by my bank on XX/XX/XXXX to them. 
Loan was transferred effective XX/XX/year> from Select Porfolio Servicing Inc to XXXX XXXX. 
Select Porfolio Servicing Inc. insists that XXXX XXXX should have started mortgage payments from XXXX payment, not XXXX. But XXXX XXXX insists that we owe XXXX payment to them. After receiving proof of XXXX payment, XXXX XXXX is waiting for the XXXX payment from Select Portfolio Servicing, but holds us as delinquent. 
Both companies deny any wrongdoing. However, Select Portfolio Servicing refuse to transfer XXXX loan payment to XXXX, because XXXX payment was cleared before loan transfer effective date. And XXXX XXXX refuses to acknowledge our XXXX payment and declared the XXXX past due payment- as delinquency. 
Another huge problem is that Select Portfolio services says we are protected by RESPA for 60 days starting from loan transfer effective date which is XX/XX/XXXX. 
But XXXX XXXX in its letter, says RESPA is protecting us for 60 days starting XX/XX/XXXX - the date of loan sale from Select Portfolio Servicing to XXXX. XXXX XXXX therefore has intention to report our delinquency to credit agencies on XX/XX/XXXX and will start applying charges and late fees.

Company response to consumer: Closed with explanation