vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting inaccurate, unverifiable, and unauthorized information on my consumer credit report in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681e ( b ) : Equifax is failing to ensure maximum possible accuracy by continuing to report obsolete and inaccurate accounts, including charge-offs, collections, and student loans with inconsistent and unverifiable balances, dates, and statuses.

15 USC 1681i : Equifax has not properly reinvestigated my disputes. They continue to maintain accounts that are unverified by the original creditor, including charge-offs and collections that lack supporting IRS Form 1099-C documentation.

15 USC 1681c : Equifax is reporting charge-offs and collections that exceed the seven-year reporting limit, which is unlawful under the FCRA.

15 USC 1692e ( FDCPA ) : Equifax is enabling debt collectors to report inaccurate and misleading account information, including unverifiable balances and statuses, which constitutes deceptive collection activity.

15 USC 1681n and 1681o : These sections outline civil liability for willful and negligent violations of the FCRA. Equifaxs continued reporting of inaccurate, unverified, and outdated information subjects them to liability under these statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: Experian Information Solutions Inc.
State: FL

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 2025-08-21 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: CO

Complaint narrative:
I cant stay calm and patient anymore. THIS COMPANY DISPUTE DEPARTMENT IS INCOMPETENT. 

I just received an email back telling me the XXXX charges i disputed were already credited back to my account- WHICH ARE NOT THE XXXX CHARGES I DISPUTED IN THE FIRST PLACE I WOULDNT BE TRYING TO RESOLVE AN ISSUE UPSIDE DOWN AND SIDEWAYS IF I ALREADY WAS CREDITED I WANT MY MONEY BACK AND I WILL BE CLOSING MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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 2025-08-21 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/year> I paid off Ally credit card, I have a copy of the check and all the Paperwork and Proof I need. I went tru customer service they did an investigation and was No Help!! 
Ive call and Called No one can help me. I cant find any information on how to call the CEO of this company and Ive tried. I have the bank copys of this check were it was printed, delivered and singed for, all I want is it to be Fixed

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-21 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-08-21 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: CA

Complaint narrative:
XXXX called for information. Sent forms and bank statements and called for update but nothing changed on my loan. I made payments late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
There would be in recognizable charges on my account, I speak with resolution department whom always says they will investigate nothing happen with the XXXX PayPal account in which I never owned or gave, constant emails come in with statement of charges in which I know nothing about. In addition as said earlier I have notified or retail charges on my account that I seen in my wallet account yet they say they donot recognize etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 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: NJ

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: IN

Complaint narrative:
CFPB Complaint Exclusive Equity Notice number XXXX Issue : Inaccurate reporting of a fully settled and discharged account. 

Company : XXXX XXXX XXXX ( furnisher of information ) Experian / Equifax XXXX TransUnion ( consumer reporting agencies ) Complaint Statement This complaint is brought in equity regarding an account alleged by XXXX XXXX XXXX, which is being inaccurately reported by all three consumer reporting agencies. 

The account in question has been XXXX and settled in full. This fact is evidenced by : XXXX. XXXX XXXX Report showing balances paid in full ( {$0.00} ) and the title listed as free and clear. 
XXXX. XXXX XXXX the state XXXX has already accepted the XXXX  lien release report, further affirming that the XXXX and obligation have been satisfied. 
XXXX. XXXX XXXX the account and related property are under trust jurisdiction, and all obligations have been reconciled within the trusts private ledger. 

Despite notice of satisfaction, the credit bureaus continue to report late payments and derogatory marks on this account. 



Violation in Equity In equity, once an obligation is securitized, settled, and discharged, no adverse reports may lawfully persist. 
Continued reporting of this account as delinquent constitutes : A violation of accuracy duties under the FCRA ( 15 U.S.C. 1681e ( b ) ) ; Failure to conduct a proper reinvestigation after notice ( 15 U.S.C. 1681i ) ; An equitable breach, as the account is no longer enforceable and has been closed in trust records. 



Relief Sought I require that Experian, Equifax, and TransUnion : XXXX. Update the XXXX XXXX account status to Paid in Full / {$0.00} balance/ Never Late. 
XXXX. Remove all derogatory or late-payment history associated with this account. 
XXXX. Provide written confirmation of the corrected reporting within statutory timelines. 

This is the first notice to correct and update the account. Failure to do so will escalate into further equitable and legal remedies, including pursuit of injunctions and damages. 



Supporting Evidence XXXX  lien report ( showing balances {$0.00}, title free and clear ).

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 2025-08-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance XXXX {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I received an alert that I had a new ding on my credit when I looked at what the alert was for Ive never used this company. Ive never heard of this company. I tried to get in touch with them and they could not find me in their system under my information that they asked. They finally did find the charges and told me that they were for airline tickets to XXXX XXXX. I explained that I have not been to XXXX XXXX. I did not purchase any tickets. I have tried to dispute this XXXX times with my XXXX  account and each time the company has declined the dispute. 
Because of this, my credit score has decreased and Im being harassed for payment that was not for something I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: OR

Complaint narrative:
Subject : XXXX Improper Credit Reporting and Score Damage Summary : When I entered into a forbearance with XXXX, I was explicitly told that my credit would not be affected. Based on that representation, my wife and I agreed to the program. Had we known otherwise, we would never have entered into forbearance. 

Despite this assurance, XXXX reported negative information to the credit bureaus, causing both my wifes and my credit scores to drop by over XXXX points each. This occurred even though I complied with the agreement, brought the loan current, and made payments immediately after exiting forbearance. 

They claimed that this was due to us not paying a XXXX XXXX money order that we had sent in with our documents to confirm getting out of the forbearance. The negative impact to the credit scores also happened prior to the date that that packet and " XXXX XXXX '' money order due date of XX/XX/XXXX. 

Violations : FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishing inaccurate information. 

FCRA ( 15 U.S.C. 1681i ) : Failure to properly investigate and correct disputed information. 

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : Failure to conduct a reasonable investigation once notified. 

Misrepresentation : XXXX promised no credit impact, then caused significant harm. 


Impact : Both of our credit scores dropped by more than XXXX points. 

This directly interferes with the sale of our home, closing XX/XX/year>. 

We only agreed to forbearance because we were misled about its impact.

Company response to consumer: Closed with explanation