vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Sofi recently restricted my account because some money money to someone elses who has a SoFi account. The money did go through at first, but then sofi froze my accont. However, Ive called two times now and they kinda brushed me off a little bit and were honestly unhelpful with solving my issue. They didnt really walk through the account freeze with me or explain it and they just said that they have to keep investigating and theyll let the investigators know I called again theyll let me know when theyre done. Its been a good couple of days and im worried I wont be able to live or support my family much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
This letter serves as a formal dispute of unauthorized inquiries currently listed on myXX/XX/XXXX credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation and removal of the following inquiries, which I did not initiate, authorize, or recognize : UNAUTHORIZED INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX These inquiries were not authorized by me, nor was any credit application submitted to these entities to justify such access to my credit file. Under the FCRA, only permissible purpose under 604 ( 15 U.S.C. 1681b ) can justify a hard inquiry, and I believe these entities did not meet that standard in these instances.

Legal Basis for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to conduct a reasonable reinvestigation of any information that is disputed by the consumer. 
As part of this formal dispute, I have enclosed the necessary identification documents to verify my identity and current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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 submitting this complaint against several creditors, debt collectors, and credit reporting agencies for reporting false, inaccurate, and unverified information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Despite my repeated disputes, these accounts continue to appear on my credit reports without proper validation. Below, I am outlining the specific inaccuracies : 1. Wrong Address Reported XXXX XXXX, XX/XX/XXXXXXXX This is not my address and its continued reporting creates a false and misleading credit profile. 

2. Inaccurate/Late Payment Reporting XXXX XXXX XXXX ( Acct : XXXX * ) High Balance : {$410.00}, Date Opened : XX/XX/XXXX Reported Late Payments. 

XXXX XXXX ( Acct : XXXXXX/XX/XXXXHigh Balance : {$1500.00}, Date Opened : XX/XX/XXXX Reported Late Payments. 

These reported late payments are either inaccurate or unverified. No documentation has been provided proving their legitimacy. 

3. Erroneous Charge-Off AccountsXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX 

These charge-off notations are inaccurate, unverifiable, and damaging. Several of these accounts report implausible balances, incorrect dates, or conflicting statuses. 

XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXCollection. 

These debt collectors have failed to provide proper validation as required under the FDCPA ( 15 U.S.C. 1692g ). Continuing to report unverified debts is a violation of federal law. 

5. Unverified Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX I did not authorize these inquiries. Under the FCRA, inquiries must be permissible purpose verified ; otherwise, they must be deleted. 

Legal Violations The reporting entities and credit bureaus have violated : FCRA 602 ( A ), 604, 607 ( b ), 609, 611, and 623 by failing to ensure maximum possible accuracy, provide proper validation, and correct or delete disputed items.

FDCPA 807 & 809 by misrepresenting alleged debts and failing to provide required debt validation. 

Relief Requested I request that the CFPB : Investigate each of the above accounts and inquiries for compliance with FCRA/FDCPA.

Order the immediate deletion of all unverifiable, inaccurate, and false information.

Hold the furnishers and debt collectors accountable for repeated violations.

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 2025-09-13 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: NJ

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: NJ

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX * * XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 2025-09-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate, misleading, and unverified items currently being reported on my credit files, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies have negatively impacted my creditworthiness, caused undue hardship, and must be fully investigated. 

Issues Identified on My Credit Reports : Wrong Address Reporting : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX These addresses do not belong to me, nor have I ever lived at these locations. This is a serious violation of accuracy requirements under the FCRA. 

Inaccurate/Late Payments & Charge-Offs : XX/XX/XXXXXX/XX/XXXX ) High Balance {$90000.00}, Opened XX/XX/XXXX Late Payment inaccurately reported. 

XXXXXX/XX/XXXXHigh Balance {$320.00}, Opened XX/XX/XXXX Late Payment. 

XXXXXX/XX/XXXXHigh Balance {$450.00}, Opened XX/XX/XXXX Improper Charge Off reporting. 

XXXXXX/XX/XXXX High Balance {$640.00}, Opened XX/XX/XXXX Late Payment inaccurately reported. 

XXXX XXXX XXXX XXXXXX/XX/XXXX ) High Balance {$2000.00}, Opened XX/XX/XXXX Late Payment inaccurately reported. 

XXXX XXXX XX/XX/XXXX ) High Balance {$720.00}, Opened XX/XX/XXXX Late Payment inaccurately reported. 

XXXXXX/XX/XXXXXXXX ) High Balance {$410.00}, Opened XX/XX/XXXX Charge Off improperly reported. 

XXXXXX/XX/XXXX ) High Balance {$250.00}, Opened XX/XX/XXXX Late Payment inaccurately reported. 

Unauthorized Inquiry : XXXX XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry. It is a violation of my rights under the FCRA. 

My Concerns : These accounts and addresses are being reported without proper verification and violate FCRA Sections 602, 607 ( b ), and 609, which require accuracy, proper investigation, and consumer disclosure.

The continued reporting of false addresses, late payments, charge-offs, and inquiries is misleading, damaging to my financial stability, and constitutes negligent and willful non-compliance. 

Requested Resolution : I respectfully request the CFPB to : Investigate these inaccuracies with the furnishers and credit reporting agencies. 

Require deletion or correction of any unverifiable, inaccurate, or misleading information. 

Ensure that all future reporting complies strictly with the FCRA and FDCPA. 

Provide written confirmation of the results of your investigation.

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 2025-09-13 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:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that \ndo not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some \naccounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute \nunder the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the \nfollowing itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
[ See Attached Letters and Documentation ] Due to the most recent DATA BREACH, and in accordance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I am herby filing a formal complaint regarding this data breach.

This is applicable to all credit reporting agencies, but specifically XXXX which is in violation of the Fair Credit Reporting Act ( FCRA 602, 605, 607, and 611 ) and the Gramm-Leach-Bliley Act. My personal information has been exposed and compromised, due to the recent XXXX data breach. Because of this breach, I am now at increased risk of identity theft, fraudulent reporting, and unauthorized access to my consumer file. As a consumer reporting agency, XXXX has a heightened duty to maintain reasonable procedures to assure the maximum possible accuracy and protect the confidentiality of my data. However this DATA BREACH creates a direct compliance issue with their obligation to protect and maintain the privacy and integrity of my credit profile. And assure that it is free from unverifiable, inaccurate, or outdated items. 

Specifically, XXXX  is in violation with regards to these two items herein listed below : My current address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. All other addresses are inaccurate. They are NON-MAILABLE, undeliverable, inaccurate, DATA BREACH, IDENTITY THEFT item. 

THIS IS A FRAUDULENT ITEM : SENTRY RECOVERY & COLLEC XXXX XXXX XXXX XXXX XXXX  It is a DATA BREACH, FRAUD, DEBT PARKING, unverified item. 

Accordingly, I am requesting the immediate deletion of any accounts, inquiries, or public records that can not be 100 % verified with proper document- to an original creditor.

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 2025-09-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
[ See Attached Letters and Documentation ] Due to the most recent DATA BREACH, and in accordance with the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), I am herby filing a formal complaint regarding this data breach.

This is applicable to all credit reporting agencies, but specifically TRANSUNION which is in violation of the Fair Credit Reporting Act ( FCRA 602, 605, 607, and 611 ) and the Gramm-Leach-Bliley Act. My personal information has been exposed and compromised, due to the recent TransUnion data breach. Because of this breach, I am now at increased risk of identity theft, fraudulent reporting, and unauthorized access to my consumer file. As a consumer reporting agency, TRANSUNION has a heightened duty to maintain reasonable procedures to assure the maximum possible accuracy and protect the confidentiality of my data. However this DATA BREACH creates a direct compliance issue with their obligation to protect and maintain the privacy and integrity of my credit profile. And assure that it is free from unverifiable, inaccurate, or outdated items. 

Specifically, TRANSUNION is in violation with regards to these two items herein listed below : My current address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. All other addresses are inaccurate. They are NON-MAILABLE, undeliverable, inaccurate, DATA BREACH, IDENTITY THEFT item. 

THIS IS A FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is a DATA BREACH, FRAUD, DEBT PARKING, unverified item. 

Accordingly, I am requesting the immediate deletion of any accounts, inquiries, or public records that can not be 100 % verified with proper document- to an original creditor.

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 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN

Complaint narrative:
On XXXX the XXXX of this year my Toyota Financial loan had a remaining balance of {$500.00} including the interest of XXXX XXXXt daily I used there website and made a payment of {$500.00} I showed up in the transaction on there website, then overnight the {$500.00} was not showing on transactions anymore and it showed the balance was still rising, so I contacted them by phone and I keep getting the same old story to give it a few more day but still has never been applied that money went missing so they asked me for a Bank statement showing them I sent them the {$500.00} so I went to my Bank to get that transaction printed out and had it faxed as they had asked but still getting the run around from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MI

Complaint narrative:
I am filing this complaint because multiple creditors and credit reporting agencies are reporting inaccurate, unverifiable, and misleading information on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Specific Issues of Inaccuracy and Harm : Wrong Address Reported : XXXX XXXX, XXXXXX/XX/XXXXXXXX is not my residence and has no connection to me. This creates confusion and potential identity concerns. 

Inaccurate Late Payments/ Charge-Offs Reported Without Proper ValidationXX/XX/XXXXReporting a late payment on a balance of {$90000.00}, opened XX/XX/XXXX. No proper validation or documentation has been provided. 

XX/XX/XXXXTwo separate accounts with inconsistent and conflicting reporting : Balance {$320.00}, opened XX/XX/XXXX Late payment. 

Balance {$450.00}, opened XX/XX/XXXX Wrongfully reported as charge-off. 

XXXXXX/XX/XXXXBalance {$640.00}, opened XX/XX/XXXX Reported late payment with no proof. 

XX/XX/XXXX Balance {$2000.00}, opened XX/XX/XXXX Wrongful late payment reporting. 

XX/XX/XXXX XXXX {$720.00}, opened XX/XX/XXXX Inaccurate late payment. 

XX/XX/XXXXXXXX {$250.00}, opened XX/XX/XXXX False late payment. 

Legal Violations : FCRA 602 ( A ) : My credit report must be fair, accurate, and free from misleading information. 

FCRA 609 & 611 : I have the right to request validation of all reported accounts. These furnishers have failed to provide verifiable documentation proving the accuracy of the reported negative marks.

FCRA 623 : Furnishers are prohibited from reporting information they know or should know is inaccurate.

FCRA 607 ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. 

Harm Suffered : These false and unverifiable accounts and addresses have caused severe harm to my creditworthiness, ability to obtain fair credit, and overall financial reputation. 

Requested Resolution : I respectfully demand that the CFPB investigate these violations and require the credit bureaus and furnishers to : Remove the wrong address from my credit file immediately. 

Delete all unverified late payments and charge-offs listed above unless the furnishers provide full validation, including original signed contracts and complete payment histories. 

Ensure compliance with FCRA and hold the furnishers and credit reporting agencies accountable for reporting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: SC

Complaint narrative:
Global Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Global Lending, I am writing in response to your phone call dated XXXX XXXX, regarding the alleged debt referenced as XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt. 

Specifically, please provide : The amount of the alleged debt, including a breakdown of principal, interest, fees, and any other charges. 

The name of the original creditor and the account number associated with the alleged debt. 

Copies of any contract or agreement bearing my signature that makes me legally obligated to pay. 

Proof that your company is authorized to collect debts in my state. 

A complete payment history and documentation showing how the amount you claim is owed was calculated. 

Please be advised that until you provide this validation, you must cease all collection activity, including reporting to credit bureaus, contacting me, or pursuing legal action. 

If you can not provide the requested documentation, you must immediately cease all collection activity and remove any related information from my credit report. 

This is not a refusal to pay but a request for validation. Please communicate with me only in writing regarding this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation