vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
In XX/XX/year>, SoFi issued me a personal loan preapproval after performing a soft pull of my credit. That soft pull already showed my high utilization. I submitted the application, and SoFi performed a hard inquiry then denied my application for the exact same reason ( high utilization ). If that factor was disqualifying, the application should have been stopped at the preapproval stage. Instead, the hard inquiry caused unnecessary harm to my credit. 

SoFis review also failed to consider my full annual compensation of {$340000.00}. They only verified {$260000.00} through XXXX XXXX XXXX and never requested W-2s, pay stubs, or additional account connections to verify my actual income before making a final decision. 

I have no late payments, delinquencies, or collections, and my payment history is strong. SoFis marketing promotes debt consolidation loans to people with high utilization, yet their underwriting penalizes applicants for that exact condition. This inconsistency is misleading and harmful. 

I am requesting : 1. Re-evaluation of my application with full income verification.

2. Removal of the hard inquiry caused by this misleading preapproval process.

3. Review of SoFis preapproval and underwriting practices to ensure they align with stated marketing and fair lending principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I submitted disputes to Experian regarding accounts that are either inaccurate or unverifiable. Experian has failed to delete these accounts and has not provided acceptable evidence to justify their continued reporting. This inaction violates the Fair Credit Reporting Act ( FCRA ) and causes ongoing damage to my credit 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 explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
I am filing this complaint regarding the failure of Experian to properly investigate and correct inaccurate information on my credit report. I am demanding deletion of the disputed item ( s ). The result of their investigation was marked as " verified/accurate, '' however, upon reviewing my credit report, the account continues to report the same inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ) .15 U.S.C. 1681i - Procedure in Case of Disputed Accuracy, 15 U.S.C. 1681e ( b ) - Maximum Possible Accuracy. The FCRA requires EXPERIAN to : - Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate - Review and consider all relevant information submitted by the consumer - Forward all relevant information to the furnisher of the information - Record the current status of the disputed information or delete the item - Follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. 

Experian did not conduct a reasonable investigation which violates my rights a federal protected consumer ; I am demanding the removal of the accounts listed. ( Please see attached files )

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 2025-08-09 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:
I recently reviewed my credit report and found an account that I did not authorize or open. I believe this account was fraudulently created using my personal information without my knowledge or consent. Therefore, it should not be associated with me and must be removed from my credit file. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$360.00}, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1000.00}. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of this fraudulent item from my credit report. If you believe this item is legitimately associated with me, please provide supporting documentation, such as a signed application or any records that contain my verified signature.

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 2025-08-09 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 recently reviewed my credit report and found an account that I did not authorize or open. I believe this account was fraudulently created using my personal information without my knowledge or consent. Therefore, it should not be associated with me and must be removed from my credit file. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$360.00}, Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance {$1000.00}. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of this fraudulent item from my credit report. If you believe this item is legitimately associated with me, please provide supporting documentation, such as a signed application or any records that contain my verified signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IL

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 : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/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 explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Re : Dispute of Inaccurate Charge-Off Request for Reinvestigation under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the accuracy of the following information appearing on my credit report : Creditor Name : DISCOVER CARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off Date Reported : XXXX This entry is inaccurate and/or incomplete, and therefore must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate, and to record the current status of the disputed information, or delete it from my file, within 30 days of receiving this notice. 

Furthermore, if the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or modify the item pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Any verified reporting must be based on evidence that meets the FCRAs requirements for maximum possible accuracy. 

Enclosed are copies of [ supporting documentse.g., payment records, correspondence, statements ] that support my position. Please ensure that this charge-off entry is thoroughly investigated with the furnisher of information, and that you provide me with : A written statement of the results of your reinvestigation. 
A free copy of my credit report reflecting the outcome. 
A description of the procedure used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher contacted in connection with your investigation, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 
If you are unable to verify the accuracy of this charge-off entry within the statutory period, you must delete it from my credit file. 
Thank you for your prompt attention to this matter. I expect your written response within the timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-09 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I went in on XXXX to pay my loan as promised as I usually do of XXXX and to refinance as normal. This lady tells me she is looking at 3 owed balances, which meant XXXX three times, and that's a total of {$720.00} which she knew I definitely didn't have. She said a payment was made by my debit card which I never use and that was establish with the original representative that started the loan with me. She told me I had to have a card on file and my account, So I provided the information. But from day one we established that I never wanted any type of auto deductions, I like to pay my own bills in person when they are due and I stuck to my word every time it came around to pay. She said on XXXX I made a payment with my debit card and just today on XXXX, the payment was blocked and declined. I knew this had to be some kinds of joke. I check my bank statements and all, there was nothing. I tried contacting the lady that originally started my loan before this new lady came, but she was not in the office today and I could not reach her. She then continues to tell me the same thing, even went as far as printing this out showing me on a paper that it showed it was taken out my account and kicked back today, this never happens, none of it. I then proceeded to contact my financial institution, which is XXXX XXXX XXXX XXXX, and they are very good at tracking decline or block charges and transactions. I spoke with a agent name XXXX, which was very nice and supportive in regards to my matter. She took her time and went back over my account to verify that no transaction for {$240.00} took place from my account or card on this date and no payment was blocked on XXXX. I showed the lady my phone with the information from y bank confirming what I said, she looked at me still as if I'm standing there lying and I am giving her proof and being honest. After so long defending myself to a person that acted as if they had not cared, I just got my daughter and left. I told her before I left, " you know I come in here faithfully and pay my bill I need this little help to take care of me and my daughter, but yet you want me to pay XXXX, not get the XXXX that I usually get to make it til my next payday and give me {$240.00} and still make me pay another {$240.00}, which total was {$720.00}. I politely told her I cant do it and when something is figured out I will worry about it then and left the place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card with Capitol One XXXX XXXX was closed after they claimed that the social security number of the authorized user was the same as mine. This should not be the case as we have different social security numbers. They also claimed that they sent me a written notice asking for more information, but I did not receive this letter. The bank has not provided further evidence of why or how the social security numbers were mismatched.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: IA

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX, a {$300.00} purchase was made at a XXXX store located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX about three hours away from my home in XXXXXXXX XXXX 

I did not authorize this transaction and have never been to that location. The last legitimate transaction I made with my Branch XXXX  debit card was on XX/XX/year> for gasoline. After that, I did not use the card and believed it was misplaced in my vehicle. I only discovered it was missing when I saw the XXXX transaction on XX/XX/XXXX. 

I reported this to Branch XXXX  immediately and opened a dispute. The dispute was denied within two days. I filed an appeal, which was also denied within two days. Branch stated that the PIN was not compromised, but I do not believe this rules out fraud. A stolen card can still be used without a PIN in certain situations, and I was not present for this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
I am reporting a solicitation I received in the mail to collect an unpaid toll violation from the XXXX XXXXXXXX XXXX and XXXX XXXX that is sent to collections from XXXX XXXX XXXX This mailing looks to be fraudulent or a scam. I would like to report : The amount is for {$27.00}

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 explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-09 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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