vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-13 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
CFPB Complaint Statement : SoFi Bank XXXX XXXX and Account XXXX XXXX : SoFi Bank, XXXX. 
Account type : XXXX XXXX ( ending in XXXX ) Dispute Number : XXXX On XX/XX/XXXX, my SoFi account and email were compromised. At approximately XXXX XXXX, an unauthorized external bank account ( The XXXX XXXX  ending in XXXX ) was added to my XXXX XXXX account ( ending in XXXX ) without my authorization. Later that morning, at XXXX XXXX, my entire account balance of {$4200.00} was transferred to that unauthorized external account. 

I noticed the issue that same day and immediately contacted XXXX at around XXXX XXXX  to report the incident, secure my account, and change my passwords. While the unauthorized external account was still linked, I attempted to reverse or cancel the transaction through the XXXX app. However, the XXXX agent I spoke with ( XXXX ) advised me not to do so, and instead told me to remove the external account and cancel the transaction. I followed her instructions, but by that time the withdrawal had already processed. 

I filed a dispute with XXXX ( XXXX  XXXX ) the same day. Several days later ( XX/XX/XXXX ), XXXX emailed me stating that they had completed their investigation and do not find that an error has occurred. They denied my claim and refused to return my funds. Shortly after that, XXXX closed my account entirely without further explanation. 

This was an unauthorized electronic funds transfer, and I reported it promptly. Under 12 CFR 1005.11 ( Regulation E ), XXXX is required to investigate and reimburse unauthorized transfers unless there is clear evidence that the customer authorized them. I have not been provided with any documentation, evidence, or rationale supporting XXXX denial, despite requesting it. 

I am requesting the XXXX  assistance in reviewing XXXX handling of this matter. 

I am seeking : A full reimbursement of the {$4200.00} unauthorized withdrawal. 

Copies of all documents and evidence XXXX used in determining their investigation outcome. 

A written explanation of why my account was closed after I reported the fraud. 

Date of incident : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: IL

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple fraudulent accounts and an inaccurately reported Chapter XXXX bankruptcy appearing on my credit file. I am a victim of identity theft, and the information being reported is false, unverifiable, and damaging to my creditworthiness. Upon review of my credit report, I discovered several accounts and a Chapter XXXX bankruptcy listed that I did not authorize, open, or file. The reporting of this bankruptcy and related accounts is in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) Requiring consumer reporting agencies to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
Email sent to XXXX XXXX  on Monday XXXX XX/XX/XXXX XXXX " You have hired " National Recovery Agency '' to collect for a bill I have no knowledge of. Acct # XXXX Opened XX/XX/XXXX $ XXXX National Recovery is not answering their phone. It has caused my credit score to drop by XXXX XXXX, so far.... But no one is telling me what this is for and why. 
I am covered 100 % as a XXXX Veteran and the VA has been taking care of any and all billing since XXXX. XXXX XXXX XXXX XXXX XXXX has been unable to reach National Recovery also. And if this is associated with XXXX XXXX hospital in XXXX XXXX FL, that hospital has been closed for well over a year. No records are available from them.... 

I will not pay without knowing what the bill is for and why you are billing me directly. XXXX XXXX phone is XXXX Call them about payment Ref # XXXX AND Provide proof with a copy of said billing for $ XXXX IMMEDIATELY! 

Mailing : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Physical address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GOLDEN 1 CREDIT UNION, THE
State: AZ

Complaint narrative:
I am requesting that the CFPB reopen my prior complaint regarding inaccurate late-payment reporting by XXXX XXXX XXXX XXXX  , because I have obtained new documented evidence that proves the late payment was caused by XXXX  XXXX system failure and not consumer negligence. 

On XX/XX/year>, I spoke with a XXXX  XXXX representative named XXXX, who confirmed during a recorded call that XXXX  XXXX online system at the time did not allow members to set up recurring or automatic payments. I made multiple attempts to establish auto-pay prior to my due date, but their system did not support it until after their software update. The representative acknowledged this change on record. 

Despite my good-faith efforts, XXXX XXXX reported my account as a XXXX delinquency without any prior XXXX delinquency which violates standard XXXX credit reporting logic. My attached XXXX  account screenshots clearly show this inconsistency : the account is marked XXXX in XX/XX/year>, yet no XXXX exists in XXXX or any other month. Additionally, the account is listed as XXXX, confirming all payments are current and in good standing. 

XXXX  XXXX and XXXX  have failed to perform a reasonable investigation into this discrepancy, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ( b ) ). I am requesting that this case be reopened, that the evidence be reviewed ( including the recorded call transcript ), and that the inaccurate late-payment mark be deleted from all credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-13 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: TX

Complaint narrative:
I am writing to formally dispute multiple items on my credit report that are inaccurate, incomplete, unverified, outdated, or duplicated. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681c-2, you are required to investigate disputed information and remove any unverifiable, inaccurate, or duplicate items. Continued reporting of these items without verification constitutes a violation of FCRA 623 ( a ) ( 3 ) and exposes your bureau to liability for willful noncompliance under 1681n. 
1. Hard Inquiries Unauthorized or Unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are unverified and may lack permissible purpose under 15 U.S.C. 1681b. I demand proof of my authorization. If verification can not be provided, these inquiries must be permanently deleted. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX CONNS {$1600.00} Collection account unverified ABSOLUTE RESOLUTIONS INVESTMENTS / BMG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} Duplicate collection account unverified and improperly reported twice XXXX XXXX XXXX/ XXXX XXXX XXXX # C/O XXXX XXXX XXXX XXXX {$690.00} Unverified, outdated, >placed for XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Resurgent XXXX XXXX XXXX XXXX {$820.00} Unverified, outdated, >placed for collectionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} Unverified collection account, reporting errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N/A {$400.00} Charge-off, potentially inaccurate dates and high balance reporting I demand full verification of each account, including : Signed original contract or account agreement. 

Itemized accounting of all charges, fees, and payments. 

Proof of assignment if the account was sold. 

Verification of dates, balances, and account status. 

Additionally, the AXXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are duplicates. Reporting the same debt twice is inaccurate and misleading under FCRA 609 ( a ) ( 1 ). I demand permanent deletion of the duplicate account.

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 2025-10-13 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Negative accounts that are not mine are appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief