vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: 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 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 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 2025-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX Account Number : [ 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 2025-06-23 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: TX

Complaint narrative:
Account { XXXX XXXX XXXXXXXX } This account says it was verified during my last dispute on XX/XX/year>. But this is false and not true. I requested this to be verified via court documents and your company failed to do so. please see attached docs from court showing that there was no information shared nor verified from your company. I am Demanding your company remove this from my credit report immediately. I have sent now three disputes and the company has refused to perform an reasonable investigation as required by law. The Fcra section 623 ( a ) ( 1 ) requires to provide accurate information to CRAs and not to furnish information they know or have reasonable cause to believe is inaccurate. Please see the attached letter from the court stating they have not verified nor will they verify the above account, so that means your " verification process " is through a Third party consumer reporting company that has provided your company with inaccurate information. I am demanding your company provide verifiable proof this bankruptcy is accurate and belongs to tome or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00}

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 2025-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> I discovered that {$9900.00} had been charged to my account on XX/XX/year> with the title listing it as " Remittance ''. Upon calling Customer Service the Representative let me know that this charge was intended for a XXXX XXXX and that BOA made an error in charging my account. I called Claims to report this and was told that it could take up to XXXX for a fraud investigation to be conducted. A XXXX XXXX named XXXX asked me if I knew XXXX XXXX and of course was my answer was no. I do not know this person and have ever had contact with this individual. 
I am a XXXXXXXX XXXX citizen who is not only responsible for paying my expenses but also contribute to the care and support of my XXXX XXXX XXXX brother. Removing my funds stops me from being able to pay bills that are due. 
Despite my being a 25 year customer, the only response I have gotten from BOA is the XXXX XXXX that is on their website which shows a straight line half way completed that indicated my claim is being investigated. 
I am filing this complaint to make sure that this does not happen to other people and that Bank of America has accountability for their actions and compensates me for their error. Claim ID : XXXX Amount : {$9900.00}. Claim Opened : 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 monetary relief
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XXXXXX/XX/XXXX EQUIFAX XXXXXXXX XXXXXX/XX/XXXX EQUIFAX Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, FTC XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank regarding the denial of a fraud claim I submitted related to unauthorized transactions made using my debit card. 

On XX/XX/year>, I lost my mobile phone. Shortly afterward, over {$3000.00} in unauthorized transactions were made through the XXXX XXXX website and app using my SoFi debit card, which had previously been saved on the platform. While my card was stored on XXXX XXXX, I did not authorize or initiate any of these transactions. 

I immediately reported the fraudulent activity to SoFi and also filed a police report with [ XXXX Police Department Name ] under report number [ Insert Report Number, if available ]. Despite providing this documentation, SoFi denied my claim without conducting a proper investigation. They did not request additional details from me, nor did they contact XXXX XXXX to verify the legitimacy of the transactions. 

I believe SoFis response was negligent and failed to comply with their obligation to investigate and resolve disputes fairly and thoroughly. Given the financial loss and the supporting evidence, I am requesting the CFPBs assistance in having this matter reviewed properly. 

Please find attached a copy of the police report, SoFis denial correspondence, and any other relevant documents. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: AL

Complaint narrative:
The company failed to comply with the Fair Credit Reporting Act ( FCRA ) by not providing a timely response within the required 30-day window. Only after I received confirmation from the CFPB that my complaint had been accepted did the company send a generic and delayed letter attempting to backtrack.

That letter contains no actual evidence, no investigation results, and no account-level documentation to justify the derogatory reporting. It does not satisfy the requirements of a reasonable reinvestigation under FCRA. The company is now trying to use that late, boilerplate response as a way to falsely claim resolution despite the fact that they never completed a valid reinvestigation or furnished any supporting information. 

This appears to be a tactic to make it look like they responded properly, when in fact, they are only reacting after being contacted by the CFPB. That does not cure the original FCRA violation or justify continued reporting of unverified negative information. It is simply after the 30 day window to respond in the first place. They are not even allowed to respond with anything. To make it worse this is just circular reasoning. Which will be included in the files. 

I have already sought legal guidance and will be proceeding accordingly. As of today, this matter is not resolved, and the only appropriate outcome is the complete deletion of the derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding two accounts from Sloan/Nelnet ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) that are currently being reported on my credit reports despite being well beyond the 7-year credit reporting limit established under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ). 

These accounts were opened in XX/XX/XXXX and were transferred and closed several years ago. The date of first delinquency occurred well before XXXX, meaning these accounts have exceeded the 7-year reporting window and are no longer eligible to be reported. 

In addition to the reporting time violation, the information across all three credit bureaus is inconsistent, and the payment history being furnished is not accurate. This violates the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). 

Given the following : The accounts are older than 7 years from the date of first delinquency, They are listed as transferred/closed, The reporting is inconsistent and inaccurate across bureaus, I am demanding that both Sloan/Nelnet accounts be immediately deleted from my credit reports. Continued reporting of these accounts is both improper and unlawful under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am opting out of any and all reporting of my information with XXXX. They have been reporting inaccurate information to Transunion, XXXX  and XXXX. Transunion XXXX, and XXXX  did not complete a through and accurate investigation before putting this information on my report. I want this account removed completely from my report. I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each. There are different balances, verification dates, accounts ratings, creditor remarks and so on.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am opting out of any and all reporting of my information with XXXX. They have been reporting inaccurate information to XXXX, XXXX  and Experian. XXXX  XXXX, and Experian did not complete a through and accurate investigation before putting this information on my report. I want this account removed completely from my report. I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each. There are different balances, verification dates, accounts ratings, creditor remarks and so on.

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 2025-06-23 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:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue? 
XXXX XXXX XXXX failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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