vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
I am Submitting this complaints to formally dispute several items appearing on my credit report that do not accurately represent my financial history. After careful review, I discovered that certain closed accounts, such as those with ROUNDPOINT and XXXX XXXX, are being reported with late payments despite being fully satisfied and reflecting a XXXX balance. Additionally, a XXXX XXXX account is listed as a charge-off even though no outstanding balance remains. Such reporting creates a false impression of delinquency that does not exist. 
Further, I have identified inquiries from XXXX XXXX, specifically dated XX/XX/XXXX and XX/XX/XXXX, that appear questionable and potentially unauthorized. I do not recall granting permission for these credit pulls, and as such, I am requesting verification of their legitimacy and permissible purpose.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), is required to ensure that all information contained in consumer reports is reported with the maximum possible accuracy. Reporting late or derogatory information on closed accounts with XXXX balances clearly violates that standard. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ), I am requesting a reasonable reinvestigation of these accounts and inquiries to verify their accuracy and legitimacy.

Additionally, 15 U.S.C. 1681b ( a ) mandates that consumer credit inquiries must be made only for permissible purposes. If can not confirm that the XXXX XXXX inquiries on the dates noted were lawfully authorized, they must be deleted immediately from my credit file.

Lastly, as stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item found to be inaccurate, incomplete, or unverifiable must be promptly removed within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
I am Submitting this complaints to formally dispute several items appearing on my credit report that do not accurately represent my financial history. After careful review, I discovered that certain closed accounts, such as those with ROUNDPOINT and XXXX XXXX, are being reported with late payments despite being fully satisfied and reflecting a XXXX balance. Additionally, a XXXX XXXX account is listed as a charge-off even though no outstanding balance remains. Such reporting creates a false impression of delinquency that does not exist. 
Further, I have identified inquiries from XXXX XXXX, specifically dated XX/XX/XXXX and XX/XX/XXXX, that appear questionable and potentially unauthorized. I do not recall granting permission for these credit pulls, and as such, I am requesting verification of their legitimacy and permissible purpose.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), is required to ensure that all information contained in consumer reports is reported with the maximum possible accuracy. Reporting late or derogatory information on closed accounts with XXXX balances clearly violates that standard. In accordance with 15 U.S.C. 1681i ( a ) ( 1 ), I am requesting a reasonable reinvestigation of these accounts and inquiries to verify their accuracy and legitimacy.

Additionally, 15 U.S.C. 1681b ( a ) mandates that consumer credit inquiries must be made only for permissible purposes. If can not confirm that the XXXX XXXX inquiries on the dates noted were lawfully authorized, they must be deleted immediately from my credit file.

Lastly, as stated in 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any item found to be inaccurate, incomplete, or unverifiable must be promptly removed within the timeframe required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I mistakenly disputed a transaction on my SoFi checking account on [ insert date ]. The same day, I contacted SoFi to cancel the dispute, and the representative confirmed it would be canceled. Over the next few days, I spoke to multiple representatives to ensure the cancellation was submitted. Each time, I was told different information including that no cancellation had been filed and that the dispute was still being processed.

Despite my repeated requests and confirmations that SoFi had not yet contacted the merchant, the bank later informed me that they had moved forward with the dispute and even issued a provisional credit. I took responsibility for the charge and again requested written confirmation that the dispute had been canceled, but SoFi has refused to provide proof or chat transcripts of our conversations.

I believe SoFi mishandled my dispute and failed to properly process my cancellation request within a reasonable time frame, causing stress and potential harm to me and another party. I am requesting that SoFi close the dispute, provide the requested documentation, and correct any records sent to the merchant or credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding my account with XXXX XXXX XXXX. I have been making all my monthly lease payments on time for the past XXXX months, but XXXX XXXX XXXX has failed to report these payments to the credit bureaus. 

As a result of their negligence, only XXXX payment from early XXXX  is reflected on my credit report, while the remaining XXXX  months of timely payments are missing. This missing information is negatively affecting my credit score and does not accurately represent my payment history. 

I have contacted XXXX XXXX XXXX and requested that they report all of my payments to the credit bureaus ( Experian, XXXX XXXX XXXX ), but they have not corrected the issue. I am asking for this matter to be reviewed and for all missing payments to be properly reported to the credit bureaus immediately.

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 2025-10-23 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: TX

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Good day, I am writing to formally dispute multiple accounts on my credit report that I believe are reported inaccurately. It is important for my credit report to reflect maximum possible accuracy, and these accounts do not meet that standard. 

Thank you for your attention to this matter. I look forward to your prompt 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 non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-23 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: SC

Complaint narrative:
I am submitting this complaint to formally dispute several inaccuracies that I discovered upon reviewing my credit report, which are misrepresenting my financial history. The report lists an address, XXXX XXXX XXXX, XXXX, SC XXXX, which has never been associated with me. This incorrect information creates confusion and misidentifies me in relation to other accounts, which is unfair and could negatively impact my financial opportunities. 
Additionally, the report reflects inquiries from Founders FCU dated XX/XX/year> and XX/XX/year>. I did not authorize these inquiries and have no record of applying for credit on these dates. Reporting inquiries that are unauthorized or unverifiable not only misrepresents my financial activity but also violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a thorough reinvestigation of any disputed information, and 15 U.S.C. 1681e ( b ) mandates that all reported data be accurate and complete. Further, 15 U.S.C. 1681g ( a ) guarantees my right to access my credit information and ensure its integrity, and 15 U.S.C. 1681 ( a ) ( 1 ) reinforces that information must be reported truthfully and reliably.

I would also like to note that these negative items ( XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX and the Founders FCU inquiries ) have already been removed from my reports with other credit reporting entities, which demonstrates that they are inaccurate and unverifiable. I sincerely hope that this correction can be reflected here as well promptly, so that my credit file is consistent and accurate across all reporting platforms. 
Because these items are inaccurate and unverifiable,

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 2025-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Cease and Desist Communication Regarding Alleged Debt To Whom It May Concern : I am writing to formally request that you cease all communication with me regarding the alleged debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Please stop contacting me about this matter through any means, including phone calls, text messages, emails, or mail. You are hereby notified that any further contact other than to confirm that you will cease communication, or to inform me of specific legal action you intend to take, will constitute a violation of the FDCPA. 

I also request that you do not contact my family members, employer, or any third party regarding this matter. 

Please provide written confirmation that you have received this notice and that you will comply with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: AS

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AS

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 2025-10-23 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: IL

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

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 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I'm talking about cash app I have money on there and I've had it on there for over a year every time I go to make a card just a plain simple card it says his error unexpected error so I get the cash app help well they can't help me they give me some song and dance that try doing it on Wi-Fi tried doing it on something else then I move to XXXX Florida and I have to change my address so I want a new cash app card and I can't even order one because it's unexpected air and I sent the technician my address to see if they could send it to me themselves and they said

Company response to consumer: Closed with explanation