vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE SENT OVER LETTERS ACCOMPANIED WITH POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT TO REMOVE THE FRAUD IDENTITY THEFT INFORMATION FROM MY CREDIT REPORTS. EXPERIAN, EQUIFAX AND TRANSUNION HAVE FAILED TO REMOVE THE FRAUD INFORMATION. THEY ARE BREAKING THE LAW BY REPORTING THE IDENTITY THEFT INFORMATION ON MY CREDIT REPORTS. ALL 3 CREDIT REPORTS ARE REPORTING THE FOLLOWING FRAUD INFORMATION AND ACCOUNTS ON MY REPORT. XXXX XXXX XXXX OPEN DATE XX/XX/XXXX. XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ARE FRAUD ACCOUNTS AND IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND NEVER APPLIED FOR THEM. FRAUD CREDIT INQUIRY XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. FRAUD PHONE NUMBER XXXX. INCORRECT INFORMATION XXXX XXXX NEVER LATE. CARD WAS LOST AND FRAUD CHARGES WERE MADE ON THEM THAT IS WHERE TH ELATE PAYMENT XCAME IN CARD WAS PAID OFF AT THE TIME BUT FRAUD CHARGES WERE MADE ON THEM.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
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 2025-11-24 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: AK

Complaint narrative:
I am submitting this formal dispute regarding the accounts listed below. I believe these accounts are inaccurately reported and request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). Please review the following accounts for each credit bureau : Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
SoFi Bank has placed an unauthorized restriction/freeze on my bank account. The restriction was not initiated by me and SoFi is refusing to remove it. 

The Colorado Department of XXXX has confirmed in writing and by phone that no levy, freeze, or garnishment was authorized on my account. They also confirmed that the letter sent to SoFi did not instruct the bank to freeze my account.

Despite this, SoFi is claiming that the restriction was requested by a legal team and is refusing to remove it unless they receive a confirmation from their own legal department. SoFi can not provide any documentation, legal order, levy notice, garnishment order, case number, or agency instruction that justifies the freeze.Additionally : SoFi representatives and supervisors refuse to connect me with the SoFi legal or levy/garnishment department . 

They refuse to provide any contact information ( phone, fax, or email ) for their legal department so the Department of XXXX can send a corrected release. 

They give conflicting explanations and are unable to explain who placed the restriction or why. 

I have no access to my funds due to an error that SoFi will not correct.

This unauthorized restriction is preventing me from accessing essential funds needed for bills, food, and transportation. SoFi has admitted the restriction is not fraud-related but still refuses to escalate my case to the correct department.

I am requesting CFPB assistance to require SoFi to : 1. Remove the unauthorized restriction on my account immediately, 2. Provide written documentation showing what legal authorityif anywas used to place the freeze, 3. Provide direct contact information for their legal/levy department so the Department of XXXX can send the necessary release, 4. Release my funds and restore full account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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 writing to file a formal complaint regarding multiple accounts that have been improperly reported by EXPERIAN on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( 3 ), yet they have proceeded to place XXXX XXXX XXXX XXXX  act number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been afforded the opportunity to dispute the account in accordance with 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 1.EXPERIAN has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 2.Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). is flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX XXXX  act number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that EXPERIAN remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WV

Complaint narrative:
I have had my suspension from my Cash App card since XXXX and have asked numerous times why and the response was my information not being correct.?? I was confused considering I had my account since XXXX and never had a problem until XXXX. So I sent in the information and was told it wasnt correct when it was what they recommended me to send in which was my drivers license and a utility bill. Then they tell me my case was closed and that if I want help next time dont ask multiple people. So I then asked for a manager and was told thats who I was speaking to. Which the email states manager so I asked for his manager or boss and was told thats not happening hes as far as I can go his name only stated XXXX XXXX. Then I waited in hopes for someone new and messaged again to get my case is closed and a reference number so I sent in the number and asked if someone can help me then was told no I cant contact them but Cash App support will send it in. Now its been 4-5 more months and they still say they have no clue whats going on but somehow they allow my account to borrow money from Cash App but will not let me use my card or account for direct deposit???? And will not respond to emails and support cant give me any information or help they send a long message explaining how sorry they are but they cant help me what is going on this is insane thats my personal information my personal account and I cant use it??????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To the TransUnion Compliance Department : This letter serves as an urgent and formal FCRA notice regarding the continued reporting and reinsertion of fraudulent accounts and identity-theft-related information on my TransUnion credit file. These accounts were previously deleted after verified identity theft supported by my FTC Identity Theft Report and XXXX Police Report. 
TransUnion is still reporting multiple fraudulent accounts, and I am including the XXXX  XXXX XXXX account as well because it has been reinserted before and may reappear again. The continued appearance of these items constitutes willful noncompliance with the Fair Credit Reporting Act and repeated violations of your legal obligations. 
FRAUDULENT ACCOUNTS STILL REPORTING : XXXX XXXX XXXX Accounts : XXXX XXXX ending XXXX XXXX XXXX ending XXXX XXXX XXXX ending XXXXXXXX XXXX XXXXXXXX XXXX Fraud Account XXXX XXXX XXXX XXXX ending XXXX These accounts do not belong to me. 
All were created and used during the identity theft period documented in my FTC and Police Reports. 
FRAUDULENT ADDRESSES ( IF REPORTING ) : XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX These addresses have no connection to me and were used exclusively by the identity thief.

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 2025-11-24 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: CO

Complaint narrative:
I am filing this statement as part of my CFPB complaint regarding inaccurate information appearing on my Equifax credit report. I am a consumer trying to correct my credit file and request a full FCRA-compliant investigation. 

XXXX Accounts Under Dispute The following accounts are being reported as charged off, but I believe the information is either inaccurate, incomplete, or unverifiable. I request proper validation and deletion if Equifax can not verify the accuracy : XXXX  Account XXXX ( XX/XX/year> ), reported balance {$180.00} XXXX  Account XXXX ( XX/XX/year> ), reported balance {$8600.00} Late Payments Under Dispute These accounts are reporting late payments that I do not believe are accurate. I request documentation proving the late payment history or correction/removal if validation can not be obtained : XXXX XXXX XXXX  XXXX XXXX  XXXX Please provide evidence supporting the accuracy of these entries. If Equifax is unable to verify with proper documentation from the furnishers, I request deletion in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
Date : XX/XX/XXXX Re : XXXX / XXXX XXXX XXXX XXXX XXXX Account No. XXXX Dear CFPB, I am disputing the accuracy and legality of the account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account No. XXXX ). The reported Date Opened ( XX/XX/XXXX ) contradicts the Date of First Delinquency ( XX/XX/XXXX ) a chronologically impossible inconsistency. This constitutes inaccurate reporting and violates FCRA 1681i ( failure to properly reinvestigate disputed information ) and FCRA 623 ( a ) ( duty to furnish accurate and complete information ).

Additionally, the furnisher has provided no proof of ownership, no proof of lawful assignment, and no original documentation substantiating the alleged debt. This failure violates FCRA 1681s-2 ( b ) regarding duties after notice of dispute and FDCPA 809 ( b ) concerning required validation of a debt.

Regulation F Violations Under Regulation F 1006.34, a debt collector must provide complete and itemized validation information, including the identity of the original creditor and documentation sufficient to substantiate the debt. No such validation has been provided.

Under Regulation F 1006.30 ( a ), a debt collector is prohibited from reporting or furnishing information to a credit bureau without proper substantiation. Continued reporting of this unverified account therefore constitutes unlawful collection activity.

Required Action Because this account is chronologically impossible, unverified, and non-compliant with federal validation standards, I demand : A full reinvestigation under FCRA 1681i, and Immediate deletion of all inaccurate, unverifiable, and improperly reported information.

Failure to comply will result in additional complaints filed with the CFPB and potential legal action for violations of the FCRA, FDCPA, and Regulation F. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: PA

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 2025-11-24 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: FL

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the XXXX major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate. 
I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law.

Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CO

Complaint narrative:
I am filing this statement with my CFPB complaint regarding several entries on my TransUnion credit report that I believe are inaccurate. I am a consumer working to fix my credit and request a full investigation pursuant to the FCRA.

Charged-Off Accounts Under Dispute I dispute the accuracy of the following charged-off accounts. Please validate or remove if proper verification can not be obtained : XXXX  Account XXXX ( XX/XX/year> ), reported balance {$180.00} XXXX  Account XXXX ( XX/XX/year> ), reported balance {$8600.00} Late Payments Under Dispute These accounts show late payments that I believe to be incorrect. I request verification of the payment history or correction/deletion if unverified : XXXX XXXX XXXX  XXXX XXXX  XXXX Please supply documentation supporting the accuracy of each disputed item. If TransUnion can not verify the information through legitimate records, I request that it be removed as required under the FCRA.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information referenced presents a misleading depiction of my financial responsibility. Please verify and correct the record following review.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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