vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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 report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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:
I am writing to dispute the accuracy of certain accounts listed on my Equifax credit report. I believe these accounts violate the Fair Credit Reporting Act ( FCRA ) due to inaccurate reporting and potential data breaches. The following accounts require your immediate investigation. 
Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$1500.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrectly reported as " open '' when it should be marked as " closed. '' o Potential Data Breach : Inconsistent reporting compared to original creditors records. 
XXXX. XXXX XXXX  o Account Number : XXXX o Reported Balance : {$250.00} o Account Status : Collection/Chargeoff o FCRA Violations : Reported as " open '' when the account should be closed. 
o Potential Data Breach : Discrepancy between reported data and original creditor information. 
XXXX. XXXX XXXX Account Number : XXXX o Reported Balance : {$1300.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrect reporting of balance and payment status as " chargeoff '' without proper validation. 
o Potential Data Breach : Inconsistent balance reporting suggests unauthorized changes. 
XXXX. XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$0.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrect paid profit and loss status reported. This status does not reflect the actual account details. 
o Potential Data Breach : Possible discrepancies indicating unauthorized reporting. 
XXXX. CURRENT o Account Number : XXXX o Status : Positive o FCRA Violations : Positive status reported but missing full details of account activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
-Took out mohela/sofi sophomore year of college in XXXX of XXXX -Was unenrolled until XX/XX/XXXX and was paying XXXX from XXXX -Called sofi to say I was enrolled in school at XXXX in XXXX of XXXX and they XXXX they needed certain paperwork to prove so I got them the paperwork and was told to pay in school amount even though the statement was different -Reenrolled in school in XX/XX/XXXX full time and paid the in school rate ( XXXX ) as told XXXX sent over paperwork on XX/XX/XXXX to me and SoFi stating that I was a full-time student -Sofi called in XXXX explaining they were transitioning to their own separate XXXX and no longer affiliated with XXXX XXXX XXXX was told that paperwork was not received so I sent it again -XXXX  also sent paperwork over as well - Called a couple times in XXXX to make sure that they got the paperwork and they said that they never received it. They were having me send the paperwork to XXXX - Constant battle with SoFi for months of ongoing calls, saying that things were rectified when they never really were - Called numerous times every month for many months - In XXXX things started to progress in the wrong direction and we were told that they still had not received any paperwork from XXXX - XXXX we were getting calls so regarding that our balance was overdue, which was in accurate due to me being a full-time student - XX/XX/XXXX I spoke with XXXX at SoFi at XXXXXXXX XXXX XXXX XXXX and she was XXXX of the most helpful people we spoke with. She was on the phone with me for an hour explaining to me that XXXX that paperwork that Im sending over was not accurate paperwork that they told me to send to I was sending it to an email that she didnt even know existed so that is why they never received it - I sent the paperwork over again in XXXX to the correct email. I tried twice and it told me that the email was blocked, but when I tried for the third time, it was able to go through. 
- On XX/XX/XXXX, I received an email from SoFi saying that they received my paperwork and they were sending it to the right person From here on out, we were still receiving recalls saying that we were late on our payment when we were not we were paying what in school amount would be from XXXX until current - On XX/XX/XXXX, I was on hold and talking with a woman for an hour and a half just to ultimately get hung up on twice by her It wasnt until around XX/XX/XXXX that we actually got to the bottom of this and a woman named XXXX from SoFi had taken information and started building a case - Called XXXX to get updates and try to fully understand what is happening- Was in contact for a couple weeks trying to figure out what the next steps were the case she called me on multiplications just to make sure she had the right information so she could build the case accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I am disputing an alleged debt and the collector has not provided the required validation under 15 U.S.C. 1692g of the FDCPA. I requested full validation, including the original contract, itemized accounting, and proof of assignment. I also requested documentation showing the collectors right to collect under UCC Article 9 if they claim assignment or ownership of the debt.

The collector has either failed to respond, provided incomplete documentation, or continued collection activity without validation. I am requesting that the CFPB intervene and require the collector to provide full validation or cease all collection activity and update any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Digital Federal Credit Union is reporting information on my credit file that is inaccurate and connected to identity theft. I disputed the information and provided supporting documentation, including a valid police report, identity verification, and written notice that the account was opened or used without my authorization. 

DCU failed to complete a proper investigation. They did not correct or delete the inaccurate data, and they did not comply with the identity-theft blocking requirements under federal law. Instead, DCU continues to furnish information they know, or should know, is inaccurate. 

This violates multiple sections of the Fair Credit Reporting Act : FCRA 623 ( a ) ( 1 ) ( A ), which prohibits a furnisher from reporting information it knows or has reasonable cause to believe is inaccurate.

FCRA 623 ( a ) ( 6 ) and 623 ( a ) ( 8 ), which require investigation of identity-theft disputes submitted with evidence. 
FCRA 605B, which requires information connected to identity theft to be blocked after a valid police report is provided. 

Despite receiving full documentation from me, DCU has continued to report the same fraudulent information to the credit bureaus and has not provided a valid explanation for refusing to correct it. 

Their failure is directly impacting my creditworthiness, access to financial products, and overall financial health

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 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: LA

Complaint narrative:
I made a payment on on XX/XX/XXXX that was never applied to my account. I made a second payment at the end of the month which was made XX/XX/XXXX but posted on XX/XX/XXXX. Cmg ( the mortgage company ) failed to apply my XX/XX/XXXX payment or even acknowledge the payment was made. They instead credited the second payment for the month of XXXX. My XXXX payment was made on XX/XX/XXXX so the account was current up until this took place. I have bank statements to show as proof and Ive provided it to both my previous and current mortgage servicer with no help in sight. My current servicer is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

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 2025-11-25 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: AZ

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 2025-11-25 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed bankruptcy in XX/XX/year> due to a major financial hardship, this information is available on my credit report. It is against the law for creditors or collection agencies to report any delinquency to bureaus when consumers are under an automatic stay in federal bankruptcy court whether the creditor is included in the bankruptcy or not. I dont have any business with any collection agency as they buy old debts of consumers from medical companies and go out harassing people to pay them for the debt that they bought to keep their business going. Please note this is what has happened in this case against me. I found out about this debt from looking at my credit karma account. Transunion has knowingly allowed XXXX XXXX XXXX to report a debt that is legally not my responsibility or owed by me the consumer who is under an automatic stay in an active bankruptcy. I have no knowledge of this company or this debt. I have disputed this debt with Transunion a few times and requested they remove the debt as it is illegally being reported. They refused by stating any creditor can report a debt that is not included in a bankruptcy. That is not what the law states and they know it. I told them I will report them to the consumer financial protections bureau because they arent above the law. Furthermore I advised them that I have no business with the creditor and no knowledge of any debt owed because as a consumer under an automatic stay in federal bankruptcy court I cant apply or obtain any new debt without the courts permission and I havent. It is an attempt by the collection agency to coerce me to pay them and that is a direct violation of the automatic stay in place by the federal bankruptcy court.

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 2025-11-25 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report.

These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-25 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: NJ

Complaint narrative:
In 2022, I had a loan from XXXX XXXX, which that company engaged in numerous illegal activities in the process. I reported their malicious actions to the Consumer Financial Protection Bureau numerous times, providing substantial evidence ( review complaints XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ). XXXX realized that I caught them in their act and subsequently cancelled that loan. XXXX, XXXX, and XXXX both were capable of recognizing its illegitimacy and duly erased it from my credit card in whole. TransUnion still has a vestige of that invalid XXXX  XXXX loan which is damaging my credit report ; this was the sole reason I was denied a credit card in a recent application, when the other 75 % of bureaus have a consensus that it is not legitimate. I recently disputed this to TransUnion through their formal process yet again ; presumably disputes are managed through a faulty computer algorithm, because if any professional human were looking at it, the evidence I submitted was glaring with red flags. TransUnion needs to delete this illegitimate vestige of the XXXX  XXXX XXXX  loan from my credit report in full, the same way that XXXX, XXXX, and XXXX all did. I am happy to provide any documentation needed in addition to the previous complaint numbers listed above.

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 2025-11-25 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: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
ChexSystems is a company that tracks your banking history, like overdrafts or closed accounts, and shares it with banks. They have inaccurate or outdated information about me : a closed account with a {$47.00} unpaid fee, a suspected ID theft flag from a department-store card, and an old overdraft. These entries are over XXXX years old and should be automatically deleted under the Fair Credit Reporting Act. I demand immediate deletion Yeah, stick it right after the demand for deletion : I have been denied banking services for XXXX years due to these inaccurate entries, causing significant financial harm and emotional distress.

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