vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
I am submitting this follow-up regarding previously reported inaccurate, unauthorized, and potentially fraudulent items on my Experian credit file. Despite my earlier dispute, the following issues remain unresolved : Unauthorized XXXX  XXXX XXXX inquiries The inquiries dated XXXX, XXXX, and XXXX were not authorized by me, nor did I apply for credit with XXXX  XXXX XXXX. Under FCRA 604, a consumer report may only be obtained with a permissible purpose. These inquiries are impermissible and must be removed immediately. 

Incorrect addresses The addresses XXXX XXXX XXXX, XXXX, WA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, WA XXXX are not associated with me. Reporting these addresses violates FCRA 607 ( b ), which mandates maximum possible accuracy, and FCRA 605B, which requires blocking information resulting from identity theft or mixed files. 

XXXX XXXX account ( Account No. XXXX, Balance {$10000.00} ) This account is inaccurately reported as a charge-off while still showing a balance, which is misleading. Continued reporting without complete verification violates FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX collection ( Account No. XXXX, Balance {$2400.00}, Original Creditor : XXXX XXXX ) This account has been previously disputed but remains unvalidated. Its continued reporting is a violation of FCRA 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ). If this account is the result of identity theft or a mixed file, it must be blocked pursuant to FCRA 605B.

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 2025-09-27 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: NC

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$720.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$280.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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 2025-09-27 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXX, 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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX, SoFi restricted my SoFi Checking and SoFi Invest account without prior notice. 

On XX/XX/XXXX, I called SoFi and was told my account would be closed and that they would contact me with details. 

As of XX/XX/XXXX, I had not received any contact from SoFi, so I called again. I was told my account closure is processing, but no timeline was provided. 

I currently hold active options contracts in the account that expire on XX/XX/year>, and XX/XX/year>. I need to sell these contracts before expiration, but SoFi has not given me access or an alternative solution. 

Without the ability to act, I am at risk of losing the value of these positions entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
Client sold my information to third party who is charging me debt not owed. My information has been disbursted with out my will or signature. I have not sign a contract with client Mention in my letter.

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 2025-09-27 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: MA

Complaint narrative:
I am filing a follow-up complaint because all three credit bureausExperian, Equifax, and TransUnionhave failed to properly reinvestigate and correct inaccurate information on my consumer reports, in violation of the Fair Credit Reporting Act ( FCRA ) .I submitted disputes regarding inaccurate addresses, disputed late accounts, and unauthorized inquiries. Instead of providing a proper reinvestigation, the bureaus responded that my documentation was not sufficient or that they relied solely on the furnisher/vendors verification. This is not compliant with the FCRA and does not constitute a reasonable reinvestigation.Inaccurate Addresses XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX # XXXX, XXXX, MA XXXX XXXX XXXX XXXXXXXX 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  Violations Under FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i, credit bureaus are required to conduct a reasonable reinvestigation of disputed information. Simply parroting the furnishers response without providing actual proof is not compliant.

Under FCRA 609 ( a ) ( 1 ), I have the right to all information in my file, including the actual verification documents used to continue reporting these items. The bureaus have failed to provide such documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> {$1000.00} XXXX XXXX XX/XX/year> {$27000.00} XXXXXXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete all fraudulent accounts, hard inquiries and collections off my credit file from the following 3 Credit Reporting Agencies, Experian NCAC, Equifax LLC, TransUnion LLC immediately under Consumer Law, FCRA, Federal and State Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> {$1000.00} XXXX XXXX XX/XX/year> {$27000.00} XXXXXXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX {$7500.00} XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX 
Please delete all fraudulent accounts, hard inquiries and collections off my credit file from the following 3 Credit Reporting Agencies, Experian NCAC, Equifax LLC, TransUnion LLC immediately under Consumer Law, FCRA, Federal and State 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 explanation
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the following accounts being reported by Experian : XXXX Account XXXX. XXXX XXXX/DEPT OF INT FC Account No. XXXX XXXXDEPT OF INT FC Account No. XXXXXXXX XXXX/DEPT OF INT FC Account No. XXXX XXXX/DEPT OF INT FC Account No. XXXX XXXX/DEPT OF INT FC Account No. XXXX XXXX XXXXXXXX XXXX XXXX Account No. XXXX These accounts were disputed more than 30 days ago, and Experian has failed to complete the reinvestigation. It has now been nearly two months with no resolution, which is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

As proof, I have attached a PDF screenshot from CFPBs own platform showing that Experian exceeded the statutory timeframe. 

Because Experian failed to comply with the law, these accounts must be deleted immediately from my Experian credit file under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-09-27 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: SC

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 2025-09-27 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: SC

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 2025-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank suddenly froze and closed my personal checking account and our joint checking account without prior notice. The joint account contained approximately {$30000.00}, which represents our familys life savings. 

I was given conflicting information by Citibank representatives : initially I was told funds would be released within 24 hours, but later I was told it could take 3060 days before I receive a check. Citibank also stated that they would mail the {$30000.00} check without any tracking, secure delivery, or signature requirement. 

This situation has caused my family extreme financial hardship. We rely on these funds for daily living expenses, food, and housing costs for our children. The delay of 3060 days is unreasonable, and sending such a large amount by regular, untracked mail is unsafe and negligent. 

I am requesting the Consumer Financial Protection Bureau to intervene so Citibank : 1. Provides immediate confirmation of the closure and payout amount. 
2. Releases our funds without unnecessary delay. 
3. Sends the check via secure, trackable delivery ( XXXX with signature ). 
4. Explains the conflicting timelines and resolves this matter promptly. 

Citibanks actions have placed my family at risk, and I need immediate assistance to ensure my funds are returned safely.

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 2025-09-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Selene Finance denied my loan modification appeal in a letter dated XX/XX/year>. They claimed the decision was based on credit information, but the only negative credit reporting is from Selene itself. All my other accounts are current, and my verified income averages $ XXXX monthly plus {$3400.00} rental income, which was not properly considered. Selene has not provided the required explanation of reasons or credit data under the Equal Credit Opportunity Act. This is a continuation of issues I raised in a prior CFPB complaint XXXX, which remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: NY

Complaint narrative:
I am submitting to formally dispute several inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA 1681b ), credit reporting agencies are only permitted to include inquiries on a consumers file if they were made for a permissible purpose, such as an application for credit, insurance, employment, or with my written consent. The inquiries I am disputing are as follows : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit, authorize, or give permission for any of these inquiries to be made. Because these inquiries were not initiated by me and do not fall under any permissible purpose outlined in the FCRA, it is inaccurate and unlawful for them to appear on my file. Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request the blocking of information on their credit report that results from unauthorized or fraudulent activity. This provision requires a credit bureau to block such information from future reports once it has been disputed, unless the bureau can verify it with clear evidence. Since I never authorized these inquiries, they must be treated as unauthorized information and are subject to blocking under 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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:
I am disputing the late payment and delinquency entries showing on several accounts. These are incorrect based on my payment history and prior agreement, so I request that they be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-09-27 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: NJ

Complaint narrative:
I lost my wallet.! My credit was stolen for years during the pandemic. When I figured was late. 

They used my identity for years. I went to the police However many company took it from my credit report XXXX XXXX took it for many years however now is Appear again. Im very disappointed and frustrating My credit when down for several points.

Please I need your help.

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 2025-09-27 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I lost my wallet.! My credit was stolen for years during the pandemic. When I figured was late. 

They used my identity for years. I went to the police However many company took it from my credit report XXXX XXXX took it for many years however now is Appear again. Im very disappointed and frustrating My credit when down for several points. 

Please I need your help.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLLECTION SERV XXXX, MA XXXX Re : Request for Validation of Alleged Debt Account/Reference XXXX Dear CREDIT COLLECTION SERV, I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), Section 809.

Please provide the following : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A complete account history, including all statements and payments.

4. A copy of the original signed agreement bearing my signature.

Until this information is provided, you must cease collection efforts and reporting to credit bureaus. If you can not provide proof, you must remove this account from all credit bureau reports immediately.

Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation