vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: Payactiv, Inc.
State: FL

Complaint narrative:
My hours have not been submitted by Payactiv for almost XXXX weeks, as of XX/XX/year>. Customer service does not provide any information, they say this is a known bug and supposedly will be fixed " quickly ''. This was told to me about a week ago. I was not given any timeline or given a ticket for IT to fix this issue, no further info whatsoever, and XXXX did not really seem to care at all. They basically just shrugged at me and I'm just left to wait to access money that I earned and very much need. I find this lack of information and assistance despicable, especially when the majority of people who use XXXX, me included, absolutely need it to get through every week in between checks. I have been living without the ability to buy food because I'm unable to access even {$1.00} in between the weeks I get paid now. This app has given me so many problems, but this is by far the most frustrating one when I have literally no control to go to another company for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Bank refuses to credit unauthorized transactions. Cardholder did not authorize or benefit from charges. Requesting proper investigation and transaction logs. Got unauthorized charges in Date of Transaction Amount Merchant Name XX/XX/year> {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$4900.00} XXXXXXXX XXXX XXXX - XXXX XXXX XX/XX/year> {$25.00} XXXX XXXX XXXX XXXX XX/XX/year> {$4900.00} XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/year> {$98.00} XXXX XXXX  XXXX & XXXX XXXX XXXX XXXXXX/XX/year> {$4300.00} XXXX XXXX XXXXXXXX - XXXX XXXX XX/XX/year> {$8.00} XXXX XXXX  XXXX XXXX XX/XX/year> {$500.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
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 explanation
Consumer complaint received 2025-11-05 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: LA

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 non-monetary relief
Consumer complaint received 2025-11-05 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:
I am filing this complaint because TransUnion is reporting several accounts and credit inquiries that appear to be inaccurate or unverifiable. These items are negatively impacting my credit and I am requesting that TransUnion conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute XXXX XXXX Account # XXXX ( XX/XX/XXXX ) Should no longer appear based on the 7-year FCRA limit. 

XXXX XXXX  Account # XXXX ( XX/XX/XXXX, {$2100.00} ) No record or documentation. Please verify or remove. 

XXXX Account # XXXX ( XX/XX/XXXX, {$130.00} ) I do not recognize this debt. Please validate or delete. 

Unauthorized or Excessive Inquiries The following inquiries appear unauthorized or excessive and should be reviewed under FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

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 2025-11-05 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: WA

Complaint narrative:
ON XXXX XXXX, XXXX  I SENT A CERTIFIED LETTER TO THE XXXX  XXXX XXXX XXXX DEMANDING THEY APPROPRIATELY REMEDY THEIR REPORTING REGARDING MY ACCOUNT INFO. THEY HAVE NOT RESPONDED

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested a 1099-C 9 Cancellation of Debt from Capital One regarding an account that was previously reported on my credit report but has since been proven Fraudulent, Documentation and credit investigation confirm I was not responsible for this debt. To ensure accurate tax and credit reporting, I request a written confirmation and copy of the 1099-C form, if one was issued, or official verification that the debt has been canceled and removed. Please provide this information within 30 days in accordance with federal reporting and consumer protection laws. 

I sent this letter to Capital One and Credit bureaus, I have not received any correspondence in which deems this fraud against me and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
Take care to remove disputed accounts quickly to comply with the law.

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 2025-11-05 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:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One intercepted and placed a hold on a XXXX transfer I sent from my own XXXX XXXX account to my own Capital One account. 

They are refusing to release the funds or provide a clear justification, timeline, or verification method to clear the hold. 

I am requesting immediate review and funds release. 

This hold appears improper, and the bank is denying me timely access to my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I respectfully request that the items listed below be reviewed for accuracy, as they currently appear on my Equifax credit report. If any of this information can not be verified, I request that it be removed from my report under the guidelines of the Fair Credit Reporting Act ( FCRA ). 

Late Payments : DEPTED/XXXX XXXXXXXX DEPTED/XXXX XXXXXXXX DEPTED/XXXX XXXX XXXXXXXX DEPTED/XXXX XXXXXXXX DEPTED/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: PA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX XXXXXXXX, XX/XX/XXXX, {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: VA

Complaint narrative:
This letter serves as formal notice that I dispute the reporting of late payments on my consumer credit file related to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  The alleged delinquencies occurred directly during and due to a federally declared XXXX XXXX  Virginia Severe Winter Storms and Flooding ( XXXX ) XXXX, which severely impacted my financial stability and ability to maintain timely payments.Under federal law, any information furnished and reported must be accurate and fairly represent a consumers situation. Reporting derogatory information caused by a verified disaster constitutes negligent and/or willful violations of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation after notice of a dispute 15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate 15 U.S.C. 1681c Reporting harmful information under restricted circumstances 15 U.S.C. 1666b Obligations for proper and timely crediting of payments

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
To Whom It May Concern : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am hereby providing formal written notice to immediately cease and desist all further communication with me regarding the collection of the above-referenced alleged debt. This request includes, but is not limited to, all written correspondence, telephone calls to my home, work, or cell phone, and any contact with my family members, friends, or employer. This letter is not an acknowledgment that I owe this money, nor is it a waiver of any of my rights under the FDCPA or any other applicable state or federal laws. The FDCPA specifies that once you receive this written notice, you may only contact me again for the following limited purposes : To inform me that your further collection efforts are terminated. To notify me that you or the creditor may invoke specified remedies which are ordinarily invoked by you or your company. To inform me that you intend to invoke a specified remedy. Any other future contact by you or your company will be considered a violation of the FDCPA, and I am prepared to pursue all available legal actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), and seeking statutory damages, court costs, and attorney 's fees. Your cooperation in this matter is appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report when there is a permissible purpose, and only with the consumers knowledge or consent. I did not provide authorization for these inquiries, and therefore they constitute violations of the FCRA. Delete hard inquiries XXXX XXXX XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Kovo
State: FL

Complaint narrative:
As a follow up to my previously filed complaint about Kovo refusing to close my credit building account thats misleading and noncompliant with regulations pertaining to consumer protection act, the company immediately contacted me via email threatening me to pay {$30.00} to catch up past due fees within XXXX days time in response to my demand for them to close this said account. They have now less than a week later reported on all three credit bureau reports my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
Ensure disputed accounts are promptly taken down, as required by regulations.

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 2025-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Since XXXX I have repeatedly contacted SoFi requesting a written hardship arrangement after job loss and financial hardship. Instead of offering a true solution, SoFi responded with a short two-month band-aid pause and then went silent. XXXX, who initially reached out, has not followed up in over a week and left me with no written confirmation of how my account will be handled despite my upcoming payment due on XXXX. 

During this entire period, SoFi never engaged in meaningful written communication. My explicit request for email-only dialogue has been ignored. Instead they have kept sending automated notices, referred me to phone-based collections, and provided no written plan whatsoever. This ongoing silence and lack of action put me at risk of default despite my documented efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: DE

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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have no knowledge of this account it was opened without my consent I never gave permission to run my credit. Please remove this inquire immediately

Company response to consumer: Closed with explanation