vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Sent a certified letter to Transworld Systems to send proof of amount reported on all major credit bureaus. XX/XX/year> XXXX sent and no response has been received after 90 days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am a consumer under the FCRA ( 15U.S.C. 1681a ( c ) ) and Im disputing the following inquiries on my report, which was accessed without my authorization. Under 604 ( a ) and 604 ( f ), you are required to ensure there was a valid permissible purpose for every pull. Please provide : The written certification of permissible purpose Documentation showing your reason to believe I initiated this access XXXXXXXX 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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> at XXXX. I attempted to deposited {$520.00} into my Truist Account via ATM. I had 5 {$100.00} bills, 1 {$20.00} bill, 1 {$5.00} bill, and 2 {$1.00} bills. The ATM spit the money ( in full ) out of the machine. I thought that it was because bills were bent, so I straightened them out and put them back into ATM. The second time the atm spit out only my {$20.00} bill and nothing else came out. A ticket printed out saying there was an error and to call a claims number. I did so, and was told theyd open a case for me. I gave them the exact location of my bank and atm # via ticket that dispensed. They emailed me a claim that allowed me to track progress of claim. On XX/XX/year> I was told the case was closed via phone call with claims department. They said they counted machine and my funds werent there. They closed the case and left me with no credits in my account. Money is completely unaccounted for. This is the XXXX XXXX branch XXXX in XXXX XXXX, FL.

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 2025-07-30 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: MI

Complaint narrative:
Subject : Failure by Credit Bureaus to Resolve Disputes and Provide Required Verification Under the FCRA I am filing this complaint against Experian, Equifax, and TransUnion due to their repeated failure to properly respond to multiple credit report disputes I have submitted, including my most recent dispute in 2025. Despite these formal notices, the three credit bureaus have not taken corrective action, nor have they provided a legally sufficient response under the Fair Credit Reporting Act ( FCRA ). 

Instead of complying with my requests, the bureaus returned generic verified responses without fulfilling the legal requirement to provide a detailed method of verification, as required by 15 U.S.C. 1681i ( a ) ( 7 ). This conduct violates : 15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of credit file content Disputed Items Still Unresolved : Charge-Off Accounts : 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 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  Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX The Credit Bureaus Have Failed to Provide : The specific procedures and methods used to verify the disputed accounts The full name, title, and contact details of the furnishers or data providers contacted Any documentation relied upon to confirm the accuracy of the disputed information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To resolve this matter fairly and lawfully, I am requesting that TransUnion : Immediately conduct a reinvestigation of the late payment reported by XXXX XXXX ( Account Number : XXXX ). 

Obtain and provide documentation from the creditor proving that I was properly notified prior to the delinquency being reported including any dated bills, letters, emails, or alerts. 

If the creditor can not supply proof of notice, I request that the late payment be permanently deleted from my credit report. 

Provide me with written confirmation of the deletion and send an updated copy of my credit report within 15 business days.

If this issue is not resolved promptly, I will continue escalating the matter through the FTC, my state Attorney General, and pursue legal remedies under FCRA 616, which allows for statutory and actual damages. 

This is a reasonable request based on the FCRAs requirements, and I expect TransUnion to uphold its responsibility to report only accurate and verifiable 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 2025-07-30 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: TX

Complaint narrative:
I have disputed a collection account on my credit report at least 5 times due to inaccurate information being listed. Every time I have disputed the account it comes back as verified and updated ( even though everything is the same ) or verified. The collection account that I am referring to is XXXX Account # XXXX for {$6000.00}. I had disputed this account because the I knew the balance was incorrect, yet each time the account came back verified. 

Recently, I was able to get documentation from the collection company regarding what I was being charged for. The document that was sent to me only contained partial balance information and I am unable to see anything before XX/XX/year>. What I can see is completely incorrect. The document list my move out date as XX/XX/year>. I moved out of this apartment on XX/XX/year> and have attached a screenshot of the video taken before handing the keys to the office. I have also attached a copy of my lease to the home that rented which started on XX/XX/year>. The ledger shows that I was charged for rent from XXXX despite me no longer living in the apartment and the keys being turned in on XX/XX/year>. 

I have reached out to XXXX by phone and was told the only way to speak with someone regarding the account was to send an email. I have sent the email and have not received a response back. This account is preventing me from finding a new home for myself and XXXX XXXX XXXX son to live in. 

I am requesting deletion of the account from my credit report until a full investigation can be completed and the balance corrected.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XXXX XXXX XXXX and they were rightfully removed by XXXX XXXX XXXX However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within five ( 5 ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously filed a complaint regarding an XXXX account appearing on my credit report that I do not recognize. In that complaint, I requested signed documentation or legal proof showing that I applied for and opened this account. 

Despite this, XXXX marked the account as verified and the credit bureau marked it as updated without providing any such proof including no signed agreement, IP address, or application records. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable investigation and proper verification of disputed information. Simply checking internal records is not a valid investigation under the law. 

I am again requesting full documentation of this account. If XXXX can not provide it, this account must be removed from my credit reports.

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 2025-07-30 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: SC

Complaint narrative:
* PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Equifax Inc. and Equifax Information Services LLC, 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 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 Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
On XX/XX/year>, I submitted two applications to SoFi Bank : ( 1 ) a {$13000.00} personal loan and ( 2 ) a SoFi Unlimited 2 % Credit Card. On XX/XX/year>, SoFi issued adverse action notices denying both applications. The stated reasons were limited to vague, boilerplate phrases such as lack of recent bank/national revolving information, serious delinquency, and too few accounts currently paid as agreed, without identifying any specific accounts, dates, or credit items. 

These notices fail to meet the specificity requirements under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.9 ), as well as the Fair Credit Reporting Act ( 15 U.S.C. 1681m ), both of which require creditors to provide actual, specific reasons sufficient for the applicant to understand and correct any alleged deficiencies. The use of non-specific, template language constitutes a violation under both statutes. 

During the application process, I purchased XXXX XXXX XXXX # XXXX ( XXXX XXXX # XXXX ). USPS confirms that this instrument was cashed, establishing a record of funds connected to my applications. SoFi has failed to acknowledge, apply, or refund these funds, raising issues of improper handling of consumer payments and potential violations of federal banking law and mail fraud statutes. 

On XX/XX/year>, I sent a secure email requesting : ( XXXX ) copies of my completed applications, ( XXXX ) the credit report ( XXXX ) used for the adverse action, and ( XXXX ) a full accounting of the USPS money order. SoFi categorically refused to provide the applications or credit report, failed to produce any accounting of the money order, and simply referred me back to the same defective adverse action letters. 

This conduct is not only non-compliant with ECOA and FCRA, it constitutes an unfair and abusive practice under the Dodd-Frank Act ( 12 U.S.C. 5531 ) by ( a ) denying credit based on undisclosed or vague reasons, ( b ) withholding consumer information necessary to dispute adverse actions, and ( c ) failing to properly account for consumer funds tied to a credit application. 

I am requesting immediate CFPB intervention and investigation to : Compel SoFi Bank to produce specific, detailed adverse action reasons in compliance with ECOA/FCRA.

Require SoFi to provide a full accounting of XXXX XXXX XXXX # XXXX and either apply or refund the funds. 

Determine whether SoFis adverse action practices and handling of consumer payments constitute systemic violations and UDAAP under federal law. 

Enforce corrective measures to ensure compliance and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of a XXXX XXXX account that appears on my credit report. The account in question is reported as having been opened on XX/XX/year>. 

I believe this account is inaccurate and XXXX contain incorrect or unverifiable information. I am requesting that you conduct a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If the account can not be verified with complete accuracy, I respectfully request that it be removed from my credit report. 

Please provide written confirmation of the results of your investigation, including any documentation used to verify the account 's accuracy. 

Thank you for your prompt attention to this matter.

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 2025-07-30 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:
To Whom It XXXX Concern, I am writing to formally dispute the accuracy of a XXXX XXXX account that appears on my credit report. The account in question is reported as having been opened on XX/XX/year>. 

I believe this account is inaccurate and XXXX contain incorrect or unverifiable information. I am requesting that you conduct a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If the account can not be verified with complete accuracy, I respectfully request that it be removed from my credit report. 

Please provide written confirmation of the results of your investigation, including any documentation used to verify the account 's accuracy. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I attempted to move my payment. However, the person on the other end said it wasnt possible then was going back and fourth on payment amounts from XXXX dollars to XXXX. I then got a email saying that my account is past due. Before my actual pay day. Web chat is no longer available to me since then : saying no one is around to help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-30 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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