vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX Equifax Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Deletion of Closed Accounts and Unrecognized Accounts Violation of Federal Law To Whom It May Concern, This letter serves as a formal and urgent dispute regarding multiple closed accounts and unrecognized accounts that appear on my consumer credit report. These entries are inaccurate, unverifiable, and misleading, and therefore must be permanently removed from my credit file in accordance with federal law.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain only accurate, complete, and verifiable information on my credit report. The following statutes apply : FCRA 602 ( A ) Credit reporting agencies must ensure maximum possible accuracy of the information they report.

FCRA 611 ( 15 U.S.C. 1681i ) You are required to conduct a reasonable reinvestigation of any disputed information and delete any item that can not be verified.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must follow reasonable procedures to assure maximum possible accuracy.

FCRA 605 ( a ) Prohibits reporting outdated, inaccurate, or unverifiable accounts.

FCRA 623 ( a ) ( 1 ) ( A ) Information furnishers may NOT report information they know or should know is inaccurate.

1. Closed Accounts These accounts are being reported in a manner that is damaging, inaccurate, and misleading. Closed accounts that contain errors, are unverifiable, or were reported incorrectly must be deleted.

2. Unrecognized Accounts These accounts do not belong to me. Because they are unverified and fraudulent, they must be immediately removed.

Because these accounts are either not mine, reported incorrectly, unverifiable, or in violation of the statutes listed above, they must be deleted immediately. Any failure to remove inaccurate information places your agency in direct violation of the FCRA and exposes you to potential civil liability, inc
luding statutory damages, actual damages, and attorney fees under 15 U.S.C. 1681n and 1681o.

I hereby demand : 1. Immediate deletion of all disputed closed accounts and unrecognized accounts.

2. A complete and updated copy of my credit report reflecting these deletions.

3. Written confirmation of the actions taken within 30 days, as required by FCRA 611. 
XXXX. I dispute the following accounts as inaccurate and not belonging to me and/or illegally reported : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
Please regard this letter as my official dispute of the accounts referenced. I did not approve or establish them and have no affiliation. I request deletion and review. Attached are supporting documents.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-21 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 am submitting this dispute to request a thorough review and correction of the following inaccurate items on my credit report. These accounts are listed as disputed due to reporting errors and discrepancies. Below is a summary of the accounts in dispute : Charged Off Accounts DEPT OF EDUCATION/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 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

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 2025-11-21 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: NC

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4300.00} Account Name : XXXX Account Number : XXXX Inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Went on a trip and was overcharged for several things. Called TD Bank when I got back to dispute XXXX of the overcharges. 
They also had my wrong address on file and the website doesnt let me change it online. Every time it gives error. 
Unfortunately they would not let me change the address as I didnt have the card physically on me. I have a XXXX  XXXX so I can not just get up and look for things so they said to call back, also because XXXX of the charges was still pending and couldnt be disputed until it went through. 
When I called back with the card several days later they still would not let me dispute the charge. There is no option to dispute it online, only to call. I sat on hold forever - again this is the XXXX time I tried this call within a week. Then they told me I could go in person to a branch ( definitely not happening as I am XXXX XXXX XXXX XXXX XXXX XXXX  ). Then they put me back on hold forever. 
They said that a completely separate department had to deal with the address change even though I had the card on me to read the entire number and security code. So they put me on hold forever. Unfortunately I work and have medical appointments so I cant sit around on the phone on hold all day, twice. So it is faster to file a complaint here than to wait on hold. XXXX currently still on hold and its been XXXX minutes. 
Their representatives should get their communication straight so they dont tell customers the wrong information and they should have options to change your address or file disputes online like every single other bank so you dont have to waste HOURS without getting anything done. Now watch they go and add interest or fees for these charges that shouldnt be there in the first place and make me call back again. They must do this to charge people wrongly because they know people cant waste all day on hold and will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: AR

Complaint narrative:
I applied for a personal loan with SoFi and submitted all required documentation, including my Employment Authorization Document ( EAD ) category XXXX, which is the correct EAD type for asylees ( individuals who have been granted asylum ). 

In XX/XX/year>, XXXX 's support team requested that I submit an Employment Authorization Card with category XXXX. I explained multiple times that this request is impossible to fulfill because XXXX EADs are specifically issued to asylum seekers/applicants, not to asylees. My asylum application was granted, making me an asylee, which means I am only eligible for an XXXX EAD - the document I had already provided. 

Despite clearly explaining this distinction and the legal impossibility of providing a XXXX EAD when I hold asylee status, the SoFi representative named XXXX insisted that I must submit a XXXX EAD to proceed with my application. When I asked directly - multiple times - whether they truly required me to submit a document I am not legally eligible to possess, the representative confirmed " Yes, you are required to submit the XXXX EAD. '' This appears to be discrimination based on my immigration status and national origin. SoFi is demanding documentation that is legally impossible for me to provide given my status as an asylee, while refusing to accept the correct and valid documentation ( XXXX EAD ) that I have already submitted. This creates an insurmountable barrier to obtaining a loan based solely on my immigration classification, which violates the Equal Credit Opportunity Act. 

The support representatives demonstrated a lack of understanding of U.S. immigration law and employment authorization categories, and despite my repeated explanations, they maintained their incorrect position, effectively denying my application based on impossible documentation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: TN

Complaint narrative:
Today 's date XX/XX/year>, I called US XXXX XXXX XXXX number to fix my checking account it is not the option to pay bills from it and the person on the phone acting like that they could not hear so I asked for a XXXX XXXX the person left me on post for XXXX minutes all I wanted to do is fix my account and the issue was the bill pay was not working

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 2025-11-21 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:
These accounts are listed under my name without my permission or knowledge, and I have never authorized or overseen them in any way. This is entirely unacceptable, as it introduces false and deceptive details into my financial record. I prioritize my credit profile immensely, and the presence of these unauthorized accounts has generated considerable worry for me. I require immediate clarification on the reasons for their appearance and identification of the party responsible for reporting them.

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 2025-11-21 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: PA

Complaint narrative:
My name is XXXX XXXX for some reason my credit score dropped to XXXX for no reason when I didnt apply for nothing and I need to know why did it drop for to XXXX and I contact yall about it before in the past more then XXXX time no luck so please resolve it this time and do a fully investigated on it to see why did my score to XXXX and dont have no credit score now and recalculate my credit score to the right credit score and give me the points back so I have a credit score it should be XXXX or XXXX and fix my score and give me points and my birthday is XXXX and my ssn is XXXX and XXXX and my phone number is XXXX and contact address is XXXX XXXX XXXX XXXX Pennsylvania XXXX and please contact me when yall get my complaint so yall can fully investigate it and give me my missing points for my missing score etc so not fixed after first complaint and more then XXXX complaint still not fixed so please fix it etc.

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 2025-11-21 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: PA

Complaint narrative:
My name is XXXX XXXX for some reason my credit score dropped to XXXX for no reason when I didnt apply for nothing and I need to know why did it drop for to XXXX and I contact yall about it before in the past more then XXXX time no luck so please resolve it this time and do a fully investigated on it to see why did my score to XXXX and dont have no credit score now and recalculate my credit score to the right credit score and give me the points back so I have a credit score it should be XXXX or XXXX and fix my score and give me points and my birthday is XXXX and my ssn is XXXX and XXXX and my phone number is XXXX and contact address is XXXX XXXX XXXX XXXX Pennsylvania XXXX and please contact me when yall get my complaint so yall can fully investigate it and give me my missing points for my missing score etc so not fixed after first complaint and more then XXXX complaint still not fixed so please fix it etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TN

Complaint narrative:
I do not claim these accounts ; removal within 15 days is mandatory under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

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 2025-11-21 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: CA

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
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief