vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information being reported on my Experian credit report under the account listed above by XXXX XXXX. 

This dispute is being submitted in accordance with the Fair Credit Billing Act under 15 U.S. Code 1666 and 15 U.S. Code 1666b, as well as the Fair Debt Collection Practices Act under 15 U.S. Code 1692g. 

The account in question reflects a total amount of {$250000.00}, comprising the following amounts : {$25000.00} ; {$6000.00} ; {$260.00} ; {$5000.00} ; {$2800.00} ; {$9100.00} ; {$5400.00} ; {$10000.00} ; {$9700.00} ; {$25000.00} ; {$2700.00} ; {$3800.00} ; {$25000.00} ; {$24000.00} ; {$9500.00} ; {$5700.00} ; {$4800.00} ; {$5000.00} ; {$2800.00} ; {$240.00} ; {$13000.00} ; {$24000.00} ; {$4000.00} ; and {$26000.00}. 

However, this account was approved for full forgiveness under the XXXX XXXX XXXX XXXX as of XX/XX/year>. Therefore, the reported balance and collection status are inaccurate, misleading, and incomplete under the Fair Credit Reporting Act ( FCRA ). Furthermore, under 15 USC 1692g, any collector or data furnisher must cease collection activity until debt validation has been provided when requested. 

Attached are the following documents to support my dispute : A copy of the XXXX XXXX XXXX XXXX approval ( if available ). 

Please respond in writing to the address listed above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information being reported on my Experian credit report under the account listed above by XXXX XXXX. 

This dispute is being submitted in accordance with the Fair Credit Billing Act under 15 U.S. Code 1666 and 15 U.S. Code 1666b, as well as the Fair Debt Collection Practices Act under 15 U.S. Code 1692g. 

The account in question reflects a total amount of {$250000.00}, comprising the following amounts : {$25000.00} ; {$6000.00} ; {$260.00} ; {$5000.00} ; {$2800.00} ; {$9100.00} ; {$5400.00} ; {$10000.00} ; {$9700.00} ; {$25000.00} ; {$2700.00} ; {$3800.00} ; {$25000.00} ; {$24000.00} ; {$9500.00} ; {$5700.00} ; {$4800.00} ; {$5000.00} ; {$2800.00} ; {$240.00} ; {$13000.00} ; {$24000.00} ; {$4000.00} ; and {$26000.00}. 

However, this account was approved for full forgiveness under the XXXX XXXX XXXX XXXX as of XX/XX/year>. Therefore, the reported balance and collection status are inaccurate, misleading, and incomplete under the Fair Credit Reporting Act ( FCRA ). Furthermore, under 15 USC 1692g, any collector or data furnisher must cease collection activity until debt validation has been provided when requested. 

Attached are the following documents to support my dispute : A copy of the XXXX XXXX XXXX XXXX approval ( if available ). 

Please respond in writing to the address listed above. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I received a letter from Macy 's about a recent credit card application that could not be processed due to incomplete information. This application was fraudulent as I did not submit it. I tried to contact several credit and customer service phone numbers for Macy 's to report this but was unable to get through their ridiculous phone prompt system. I am unsure what to do.

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 2025-05-12 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name 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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-12 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: TN

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Who

m It May Concern, I am filing a formal complaint against Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due
to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I am in disagreement with this account which still appears on my credit report, even after your investigation. I would like this item to be re investigated immediately. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up, Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I am in disagreement with this account which still appears on my credit report, even after your investigation. I would like this item to be re investigated immediately. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up, Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 

Account name : XXXX XXXX Account number : 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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to dispute your recent denial of my credit limit increase request, which was allegedly based on a delinquency appearing on my credit report. After thoroughly reviewing all three of my credit files, I have confirmed that no delinquency exists, nor has one been reported by any creditor.

Your inaccurate justification constitutes a false or misleading representation, which is a direct violation of 15 U.S. Code 1611. This statute prohibits willfully furnishing false or misleading information in connection with the extension of credit, including the use of false grounds to deny or restrict credit.

As a consumer in good standing with no derogatory marks, I am hereby demanding the maximum credit limit XXXX is permitted to extend under your internal policies and underwriting standards. You are required to evaluate my creditworthiness accurately and transparentlywithout baseless or deceptive justifications. 

Please provide the following within 15 calendar days of the date of this letter : Written confirmation that no delinquency exists on my account or credit report.

A reevaluation of my account and a written offer of the maximum credit limit available to me based on my current credit profile. 

A copy of the specific report and data you relied upon to issue the denial. 

Should you fail to respond adequately or correct this matter, I will pursue a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal remedies for violations under federal law.

This is a formal demand. I expect a timely and lawful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 am filing this complaint against Equifax and Experian for repeated failure to properly investigate disputes I have submitted regarding inaccurate information on my credit reports. 
Under the Fair Credit Reporting Act ( FCRA ), both bureaus are required to conduct a reasonable investigation and respond to disputes within XXXX  days. However, every time I file a dispute, both Equifax and Experian either : Close the dispute without conducting a meaningful investigation, Fail to provide a clear explanation for their findings, or Ignore the supporting documentation I provide entirely. 
This pattern is not a XXXX-time issueit has happened repeatedly. I have followed the proper process by submitting disputes online/in writing ( choose whichever applies ), including supporting evidence, yet the bureaus consistently disregard their legal obligations. 
I am requesting that the Consumer Financial Protection Bureau enforce compliance with the FCRA and require Equifax and Experian to : Properly investigate the disputed information, Provide clear and detailed results of their investigation, Correct or remove the inaccurate items if they can not be verified, as required by law. 
This ongoing negligence has negatively impacted my credit and financial opportunities. I am requesting urgent review and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Product : Checking or Savings Account Issue : Managing an account / Problem making or receiving payments Account Type : Checking Account Company : SoFi Bank Date Issue Began : XX/XX/year> Complaint Description : This is my third formal complaint to the CFPB regarding SoFi Bank 's continued failure to provide reliable banking services and competent customer support. Prior complaints include : Complaint # XXXX ( filed XX/XX/year> ) Complaint # XXXX ( filed XX/XX/year> ) Despite repeated follow-ups, none of these issues have been properly resolved, and the situation has become increasingly confusing and frustrating. 

Detailed Background Bill Pay Breakdown : On XX/XX/year>, I initiated payment of my HOA dues via XXXX 's Bill Pay service to XXXX XXXX company based in the XXXXXXXX XXXX XXXX XXXXXXXX ) area. I sent XXXX {$600.00} checks, totaling {$1200.00}, for my HOAs annual assessment. 

I have successfully used XXXX XXXX XXXX XXXX times in XXXX including XXXX other check payments to XXXX addresses. Only the XXXX checks to XXXX failed, which raises serious concerns. 

Heres what happened : Each time XXXX claimed they had not received the check, XXXX insisted it was sent by regular mail, and after waiting for the typical delivery period, issued a replacement. 

This cycle happened XXXX times for each of the XXXX checks. 

Eventually, XXXX of the checks appears to have been cashed on XX/XX/year>, but XXXX denies receiving or depositing it. 

With both parties offering contradictory accounts, I was caught in the middle with no resolution. 

Out of desperation and to prevent further penalties, I logged into the XXXX portal on or about XX/XX/year> ( after previously being locked out ), and paid {$1200.00} directly from my XXXX accountmaking a total out-of-pocket payment of {$2400.00}. 

XXXX eventually waived late fees but then charged me {$35.00} per returned check, totaling {$70.00}, citing issues with the original XXXX checks. 

At no point was I made aware of stop payments, returned items, or specific failures that would justify these return check fees. XXXX claims there was no issue on their side, but XXXX insists the checks were returned. I genuinely dont know whom to trust in this situation. 

Impact on Me : I have spent over XXXX hours since XX/XX/year> trying to resolve this through support chats, emails, and phone calls. 

I incurred a {$70.00} loss in returned check fees. 

I was out {$1200.00} extra for a period of time, which impacted my liquidity and interest. 

XXXX 's service modeloutsourcing to undertrained, offshore agentscreates confusion, lost context, and XXXX accountability. 

Their escalation structure is broken, and no single agent owns a problem to resolution.

Company response to consumer: Closed with monetary relief