vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
Contacted someone else about this debt ( debt i have no understanding of that links to a bank that i have no knowledge of and an account that doesnt share any information ). 

They shared details and information to a third party without ever contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my credit file is being harmed by inaccurate and unverifiable reporting that violates my rights under the Fair Credit Reporting Act. Despite the protections granted to me under federal law, I continue to suffer the consequences of false and unlawful information that has been furnished and maintained on my credit reports. 

On my Experian and XXXX  files, there is an account listed as XXXX XXXX XXXX # XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00}, reported as a Charge Off * *. This account has been reported without the furnisher providing any verifiable evidence or complete documentation to substantiate the accuracy of the reported balance, the status of the account, and the legitimacy of its collection history. Under FCRA 609 and 611, I am entitled to receive proper validation and for the reporting agencies to ensure maximum possible accuracy under 607 ( b ). Instead, this account continues to be reported as a derogatory item without lawful verification, creating ongoing damage to my creditworthiness. This practice is unlawful, and the continued reporting of unverifiable information is a direct violation of my consumer rights. 

In addition to this, my credit file reflects an inquiry reported as XXXX XXXX XXXX  dated XX/XX/XXXX. I never authorized this inquiry, and it does not meet the standard of permissible purpose under FCRA 604. The presence of this inquiry, which lacks consumer authorization, constitutes an unauthorized action that unfairly reduces my credit standing and misrepresents my credit-seeking behavior. Inquiries that can not be substantiated with proof of permissible purpose must be removed, yet this remains on my file in violation of the law.

These entries are not harmless clerical errors ; they are unlawful and harmful acts that deny me the fair and accurate reporting to which I am entitled under federal law. By allowing such information to remain, the credit reporting agencies and furnishers are engaging in practices that fall under negligent and willful noncompliance as outlined in FCRA 616 and 617. This noncompliance has caused me concrete harm, including barriers to credit opportunities and financial hardship. 

I am asking the Consumer Financial Protection Bureau to intervene and require the credit reporting agencies and the furnishers involved to conduct a lawful reinvestigation, provide full documentation and validation, and delete any item or inquiry that can not be verified with legally sufficient proof. My file must reflect only accurate, fair, and verifiable information as required by the Fair Credit Reporting Act, and I expect immediate corrective action.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$440.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$65.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$100.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$390.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
SoFi never sent my transfer deposit to XXXX  as requested I sent XXXX $ to SoFi and then transferred it this morning to XXXX  it has never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
CFPB Escalation Letter ( re : XXXX XXXX & TransUnion ) CFPB Escalation Notice Case # : XXXX I am submitting this escalation regarding XXXX XXXX and the inaccurate reporting of account # XXXX. 

Background : This account was paid in full on XX/XX/XXXX with a {$0.00} balance and was current at payoff. 

On my most recent credit reports dated XX/XX/XXXX, TransUnion continues to show the account as currently 30 days delinquent ( XXXX ) while XXXX  and XXXX  report it accurately as paid/closed with no delinquency. This demonstrates the inconsistency and error.

In my prior submissions, I provided payoff proof and highlighted this contradiction. 

XXXX XXXX Response ( XX/XX/XXXX ) : XXXX XXXX responded to my CFPB dispute ( see attached ), stating only that : They found no inaccuracies.

They provide the same information to all three bureaus.

They do not control how those agencies report the information.

Problems with Their Response : They did not answer my direct questions regarding why TransUnion shows a delinquency when XXXX  and XXXX do not.

They did not provide documentation of what information they furnished.

They continue to avoid responsibility, despite their clear obligations under the FCRA.

Violations : 15 U.S.C. 1681s-2 ( a ) ( b ) : Furnishers must not report inaccurate information, must correct errors, and must cooperate fully with CRA reinvestigations .

15 U.S.C. 1681i ( c ) : CRAs must mark an account as in dispute when a consumer disputes it. My TransUnion report shows no dispute notation, despite multiple disputes.

Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) : Courts hold that furnishers violate the FCRA when their reporting creates a misleading impression, even if technically accurate. 

CFPB Bulletin XXXX : Clarifies that furnishers can not avoid responsibility by blaming how CRAs display their information.

Requested CFPB Action : Require XXXX XXXX to produce documentation of the exact data furnished to each CRA, including compliance codes and payment status.

Require TransUnion to correct its reporting and to add the required account in dispute notation until resolved. 

Ensure XXXX XXXX updates or deletes the tradeline across all bureaus to reflect : Paid in full, {$0.00} balance, closed in good standing, no delinquency at payoff ( XX/XX/XXXX ). 

Provide me with written confirmation of corrections from both XXXX XXXX and TransUnion. 

Attached Exhibits : Exhibit A : CFPB complaint response from XXXX XXXX ( XX/XX/XXXX ). 

Exhibit B : XXXX XXXX letter ( XX/XX/XXXX ). 

Exhibit C : My 3-bureau credit report ( XX/XX/XXXX ) showing the discrepancy.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am writing regarding the recent change in my monthly lease payment from {$610.00} to {$610.00}. When I contacted customer service, I was told this increase was due to a tax adjustment of approximately {$1.00}, effective as of XXXX. 
While I understand that state or local tax changes are outside of GM Financials control, I am concerned about being told that I was responsible for canceling my autopay and resetting my payments in order to see the updated amount. Autopay should accurately reflect the current monthly payment, including any tax adjustments, without requiring the customer to intervene.

I am requested : For my records, please provide the following : Documentation from the relevant tax authority showing the rate increase and its effective date.

A clear breakdown of how my payment changed from {$610.00} to {$610.00} Written confirmation of GM Financials policy on how autopay is updated when there are tax changes.

I am not disputing the validity of the tax increase itself, but I do request clarification on why customers are being held responsible for autopay adjustments when this should be managed automatically.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
please see attached in pursuant to the consumer law 15 us 1681c-2 please remove this item from my credit report within 4 days XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
please see attached in pursuant to the consumer law 15 us 1681c-2 please remove this item from my credit report within 4 days 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), I am exercising my right to dispute the accuracy of the collection account ( s ) currently reported on my credit file. I believe these accounts to be erroneous, unverifiable, or misleading and request an immediate investigation into this matter.

I have reviewed my credit report thoroughly and have found that the collection account ( s ) in question do not reflect accurate information as required by law. Under FCRA Section 611, credit reporting agencies and furnishers of information are required to investigate disputes and correct or delete any information that can not be verified within 30 days.

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 2025-09-24 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: CA

Complaint narrative:
I am disputing a late payment inaccurately reported on my credit file. Verified records demonstrate that all payments were made on time. The reported entry is false and misrepresents my reliability as a borrower.

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates has been fined in XXXX and XXXX for violating Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). In XXXX, they are continuing to do this to me as I just received a lawsuit from them. 

XXXX XXXX an

d PRA have failed to properly respond to consumer disputes and are attempting to collect a debt with no reasonable basis to believe the debt is valid. Furthermore, the credit card agreement with XXXX XXXX  states mandatory arbitration. XXXX filing a lawsuit is a VIOLATION of that agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I have reviewed my credit report and I noticed inaccurate information. I am really worried about understanding why this account and wrong information are reported on my credit account. 
I do not recognize this debt. I trust you are sending me a correct credit report once this investigation is complete.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear CFPB Representative, Thank you for reviewing my complaint regarding Capital One. I would like to clarify the issue, as Capital Ones response did not address the core concern. 
On XX/XX/year>, Capital One closed my checking account. 
On XX/XX/year>, they issued a closeout check for {$1.00}, which I received. 
However, my online banking profile still shows a remaining balance of {$6300.00} ( see attached screenshots, dated XX/XX/year> ). 
Despite multiple calls to Capital One ( most recently on XX/XX/XXXX and XX/XX/year> ), I am repeatedly told that my funds are waiting for the team to process, but no issue date or mailing date has been provided. 

It has now been three months since account closure, and Capital One has failed to release the remaining balance. Their written response to my complaint only referenced the {$1.00} check, and did not address or acknowledge the {$6300.00} still being held.

I am not requesting the account be reopened. I am only requesting that Capital One : 1. Immediately issue the final closeout disbursement of {$6300.00}.

2. Provide written confirmation of the issue date and mailing address.

3. Ensure compliance with federal regulations requiring the prompt return of customer funds after account closure.

This unreasonable delay has caused financial hardship, and I am requesting the CFPBs assistance in ensuring that Capital One releases my funds without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation