vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-11-01 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: IL

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I am sending this letter to formally request that the following information be immediately blocked and permanently deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ] : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2500.00}

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 2025-11-01 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
SoFi closed both my checking and savings accounts without any prior notice or explanation. This action left me with no access to my funds, as all of my money was held in those accounts.

When I contacted SoFi to ask for the reason behind the closure, they did not provide one. I was only told that the balance would be sent to me by check. However, they did not specify when the check would be sent or confirm that I would receive the full balance that was in my accounts at the time of the closure.

This situation has left me without access to any money for essential expenses, creating significant financial hardship. I believe SoFis lack of transparency and failure to communicate clear information about the status of my funds is unacceptable and needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
portfolio recovery keeps calling me back to back regarding setting up payments and trying to get me to say my social security card on a recorded call and I'm declining and it keeps reporting to my credit reports negatively without proof to my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year>, a deceptive, defective sectional was delivered to my home. It was tagged as a red alert which means rooms to go altered the couch to try and fix an issue. In trying to fix the issue they gave me a couch that was defective and not what I paid for! I called to get them to rectify this major issue and they have refused. I spoke to a horrid manager named, XXXX ( or XXXX XXXX on XX/XX/year>, that should never be employed with any type of customer service position ever. She is refusing to help in an way and is lying about why she can't I want a refund on my rooms to go card in the amount of {$1900.00} or a new sectional asap. I have since been trying to get XXXX with rooms to go credit to call me back and I am being ignored. I have called her numerous times and I have never received a call back. See my call log attached. Per the terms and conditions of sale under the limited product warranty : XXXX warrants that the purchased merchandise will be free from defects in material and workmanship for a period of ONE ( 1 ) YEAR from the date of delivery or pickup. The couch in question was delivered XX/XX/year>. I want a refund on my rooms to go card in the amount of {$1900.00} or a new sectional asap. I would like this completed properly as soon as possible as this is unacceptable.

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 2025-11-01 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: OH

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute the inaccurate reporting of my accounts with XXXX XXXX  ( account ending in XXXX ) and XXXX XXXX XXXX XXXX XXXX account ending in XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX XXXX XXXX : $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} on my credit report. After reviewing my credit history in detail, I have identified reporting inconsistencies that misrepresent the true status of these accounts and could negatively affect my creditworthiness. I am requesting a thorough reinvestigation of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Section 611 ), which grants consumers the right to dispute information they believe is incomplete or inaccurate and obligates the credit reporting agency to conduct a reasonable reinvestigation of any disputed data.

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 2025-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau require [ Loan Care/ XXXX/XXXX/XXXX  ] to immediately produce the documentation and records relied upon to verify Loan Cares reported XX/XX/year> late payment on my mortgage account # XXXX. 

If the bureau can not provide documented evidence of verification including the name, address, and contact information of the furnisher and copies of any supporting correspondence I request that the disputed late payment and all associated derogatory data be deleted from my credit file under FCRA XXXX ( a ) ( XXXX ). 

I also request that the CFPB review [ XXXX/XXXX/XXXX  ] verification procedures for FCRA compliance under 611 ( a ) ( 7 ) and ensure that I receive written confirmation of any corrections or deletions made. 

This resolution seeks full transparency or deletion either the bureau provides the proof of verification they claim to have, or they must remove the unverifiable information entirely.

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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Between XXXX and XX/XX/year>, I paid more than {$24000.00} to a XXXX facility for XXXX and XXXX that was never completed. The clinic abruptly terminated all services on XX/XX/year> while my pet was still in active treatment and then refused a refund. I submitted detailed evidence to XXXX, Capital One, and XXXXXXXX XXXX XXXX XXXX  ) proving that services were not delivered and that the business violated XXXX York XXXX regulations. 
Each company denied my disputes without meaningful explanation and failed to provide copies of their investigation or decision records, contrary to the Fair Credit Billing Act. I specifically requested written verification of the evidence reviewed, but all three companies sent only generic denial letters. My accounts and credit were negatively affected even though the charges were for undelivered XXXX services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am submitting this complaints that my XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * is being reported inaccurately. It currently shows a XXXX XXXX status with payment status XXXX, opened on XX/XX/XXXX, and allegedly showing late payments of 30 days in XX/XX/XXXX and 60 days in XX/XX/XXXX. This information is completely inaccurate, as I have consistently made all payments on time and have no history of delinquency on this account. 
To provide context, I make all payments electronically and retain confirmation receipts for each month. I verified with CBNAs customer service department that my payments for XXXX and XX/XX/XXXX were both received and posted on time. Therefore, the reporting of these late payments must have been made in error or without proper verification. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unverifiable information on my credit file. Specifically, FCRA 611 ( 15 U.S.C. 1681i ) requires that the credit reporting agency conduct a reasonable reinvestigation to verify the accuracy of disputed information. If the furnisher can not provide verified evidence supporting the late payments, these entries must be corrected immediately. 
Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) obligates the credit bureau to maintain maximum possible accuracy in consumer reports. Reporting false delinquencies despite timely payments violates this standard and results in unfair harm to my creditworthiness. 
Additionally, FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers of information from reporting data they know or have reasonable cause to believe is inaccurate. Since CBNA has already confirmed timely payments, this inaccurate reporting constitutes noncompliance under this section. 
Lastly, under FCRA 609 ( a ) ( 1 ), I am requesting that you provide the source and method of verification used to report these late payments. Please include documentation that supports the 30-day and 60-day delinquencies you have recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
I am disputing certain collection accounts on my credit report that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, removed from my report.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains a bankruptcy record that I believe is inaccurate or can not be verified. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I am entitled to a fully accurate credit report. I request a thorough review of this bankruptcy entry, and if it can not be confirmed as valid, I ask that it be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am submitting to formally dispute inaccurate information currently being reported on my credit file. After carefully reviewing my report, I discovered multiple late payment notations that are inconsistent with my actual payment history and therefore must be corrected. These inaccuracies are both harmful to my credit profile and a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
When I opened my auto loan with XXXX XXXX XXXX on XX/XX/year>, I made a commitment to maintain a consistent and responsible payment record. From the very beginning, I ensured that my payments were made on or before the due date every month, never allowing my account to fall behind. For nearly four years, my account remained in good standing, accurately reflecting my timely payments and steady financial management.

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 2025-11-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against LVNV FUNDING LLC for reporting two duplicate and inaccurate collection accounts that I have no knowledge of. The accounts being reported are LVNV FUNDING Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$100.00} Collection and LVNV FUNDING Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$160.00} Collection. These are duplicate and false entries that have been reported without verification or proof of validity. The reporting of duplicate and unverified accounts violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as LVNV FUNDING has failed to provide any validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am disputing certain collection accounts on my credit report that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: OR

Complaint narrative:
Several complaints to the CFPB has not fixed XXXX reporting of fraudulant information on my credit file. All Credit agencies that responded to the most recent complaint added 5 different spellings of my name based on XXXX fraudulant reporting. XXXX responded to my last complaint providing someone else 's loan information and letter to XXXX XXXX, added an address on XXXX XXXX in XXXX Oregon. Where i have never lived.

They refuse to remove this fraudulant reporting after numerous certified letters to their office including their legal department. 
XXXX has violated my cease and desist order continuously and CFPB will not address this fraud. All information has already been provided to their legal department proving who I am.

I have been trying to get this fraudulant information removed for 2 YEARS!

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 2025-11-01 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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