vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened or managed them. This is unacceptable and presents false, misleading information about my financial history. I take my credit seriously and need immediate clarification on why these accounts appear and who is reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
On XX/XX/, I received a fraud alert text ( attached ) asking if I made the XXXX XXXX purchase for {$760.00}. I immediately replied " NO '', confirming I did not authorize it. I also reached out to SoFi the same day as instructed in the text alert & get a new card. However, prior to that, I reached out to have my card cancelled, and was told that I would receive a card in the mail. Despite my report, the card was not properly canceled or replaced at that time, allowing unauthorized transactions to happen. 
When I initially reached out after receiving the text alert pertaining to XXXX XXXX, I was informed that I could not dispute the XXXX XXXX or XXXX transactions until they had officially posted to my account. This delay prevented me from immediately protecting my account from further unauthorized activity. Importantly, I did not receive any fraud alert for the XXXX or XXXX XXXX charges. I only discovered the XXXX transaction when I checked my account manually, and I did not even notice the XXXX XXXX charge. Furthermore, there is no XXXX XXXX  location in XXXX XXXX  and I am unsure what XXXX XXXX and I have never made a purchase there. 
Additionally, the dates shown on the account are posting dates, not the actual transaction dates. I received the fraud alert for the XXXX XXXX transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which confirms that unauthorized activity began earlier than reported. To back me up, I have a screenshot of proof that youll sent me an email stating that my replacement card had been shipped. SoFi is stating that I made this transaction using the datXXXX XXXX XXXX XXXX XXXX XXXX is the date the transaction cleared, because if the transaction was the XXXX, I wouldve received the automatic message on the XXXX instead of the XXXX. On XX/XX/XXXX, I received an email from them stating that my new card was on the way to me, so its back to how could I have made this payment on the XXXX? This discrepancy must be factored into the investigation as it directly affects the timeline of when my card was compromised. The previous denial stated that these charges were consistent with my spending habits. I strongly disagree. While I made legitimate purchases around that time ( e.g., at XXXX and XXXX XXXX ), the unauthorized transactions do not match my normal spending or behavior. They credited me for XXXX, but not the others. I also want to address that I was never issued the provisional credit for these transactions within the XXXX business days it stated in the email, even though I followed all required steps, including promptly responding No to the fraud alert I received from the bank on XX/XX/XXXX. These funds were critical, as they were intended for bills and necessities for my children. Its extremely upsetting that my money was taken, and despite alerting the bank, no provisional credit was provided and no resolution has been offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I do not recognize the hard inquires. I do not have any of those accounts.

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 2025-06-05 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. 

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 2025-06-05 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: TN

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: OK

Complaint narrative:
I am submitting this complaint in regard to multiple accounts appearing on my Experian credit report that I believe are being reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681c-2, which outlines legal requirements for the disposal of consumer information. 

After reviewing my credit report dated XXXX XXXX XXXX  I discovered several accounts being reported by third-party debt collectors and data furnishers including : 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 These accounts are unverified, possibly outdated, and may have been obtained or retained in ways that violate federal disposal and permissible purpose laws. I have not received proper documentation to validate these debts. Some may be outside the statute of limitations or were transferred without any proof of ownership or legal collection rights. This puts my personal data at risk and causes ongoing harm to my credit score ( currently at XXXX ), limiting my access to essential financial services. 

I have already submitted formal disputes and requested verification, but the reporting agencies and furnishers have failed to validate the information within the legally required XXXX window in several cases. As a result, these accounts should be immediately deleted under FCRA 611 ( 15 USC 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc.
State: OK

Complaint narrative:
I am submitting this complaint in regard to multiple accounts appearing on my XXXX credit report that I believe are being reported and maintained in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681c-2, which outlines legal requirements for the disposal of consumer information. 

After reviewing my credit report dated XX/XX/2025, I discovered several accounts being reported by third-party debt collectors and data furnishers including : 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 EOS CCA These accounts are unverified, possibly outdated, and may have been obtained or retained in ways that violate federal disposal and permissible purpose laws. I have not received proper documentation to validate these debts. Some may be outside the statute of limitations or were transferred without any proof of ownership or legal collection rights. This puts my personal data at risk and causes ongoing harm to my credit score ( currently at XXXX ), limiting my access to essential financial services. 

I have already submitted formal disputes and requested verification, but the reporting agencies and furnishers have failed to validate the information within the legally required XXXX window in several cases. As a result, these accounts should be immediately deleted under FCRA 611 ( 15 USC 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am filing this complaint to report repeated violations of my rights under the Fair Credit Reporting Act. I have submitted multiple disputes regarding unauthorized credit inquiries on my consumer file, yet these inquiries remain unresolved. The following inquiries were made without my knowledge or consent and I have no affiliation with the companies involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: WI

Complaint narrative:
Im submitting a dispute concerning a XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  that is currently being reported as a charge-off on my credit file. After carefully checking the information, I noticed discrepancies that have not been clarified or supported with any proper documentation. 

To date, I have not received any contractual evidence, statements, or itemized breakdown that explains how the reported balance was determined. Ive made every effort to understand this account, but no clear explanation has been given, and the information remains unverified. 

I am attaching supporting documents for identity verification and reference, including : - A copy of my state-issued ID - A recent utility bill showing my current address - A snapshot of my credit report highlighting the account - The letter I mailed to the credit reporting agencies This dispute is being submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Fair Credit Billing Act ( FCBA ). I kindly ask for a full and fair investigation of this account. If the information can not be substantiated with clear evidence, I respectfully request that it be deleted from my credit file. 

Thank you in advance for reviewing this dispute thoroughly and handling it with care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several late payment notations currently being reported by the credit bureaus that I believe are inaccurate, incomplete, or misleading based on the current status of each account. These entries include XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) reported with a late payment dated XX/XX/year> ; XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ) with a late payment dated XX/XX/year>XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ) with a reported late date of XX/XX/year> ; and XXXX  ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), appearing on Equifax with a late payment dated XX/XX/year>. In all of these cases, the past due balances are shown as {$0.00}. 

Reporting a late payment on accounts that show no balance past due and in some cases are closed or settled is contradictory and fails to meet the standard of data integrity mandated by the Fair Credit Reporting Act ( FCRA ). These kinds of discrepancies not only create confusion but unfairly damage my creditworthiness. The FCRA under 15 U.S.C. XXXXe ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. A late designation without any outstanding delinquency is misleading and prejudicial. 

My concerns are particularly heightened regarding Equifaxs handling of such reporting. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within XXXX days. Furthermore, under 15 U.S.C. XXXXi ( a ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

Given the inconsistencies in reporting and the legal precedent highlighting Equifaxs deficient practices, I am deeply concerned that these derogatory marks are the result of automated or unchecked processes that lack human review or accurate validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOBEL FINANCIAL CORPORATION
State: CO

Complaint narrative:
I purchased a vehicle in 2012 from Colorado XXXX XXXX ; shortly after the dealership closed and filed bankruptcy. The owner never legally purchased the vehicle from auction and I was unable to get vehicle plated. 
XXXX XXXX XXXX, I'm standing at the movie theatre in complete terror as I realized my paycheck had been garnished. Over the course of XXXX XXXX XXXXn particular the past XXXX XXXXs of Colorado statute of limitations for auto loan, I never once received a phone call, email, letter or formal notice of this debt. I was never legally served or aware this was even as issue. 
Over a week after garnishment was initiated, the sealed writ was sitting on my desk at work. I called the attorney listed, who had to email me paperwork of the original loan from 2012. I told XXXX XXXX and assistant XXXX, I have no idea who or what Lobel Financial is and asked why they didn't notify me. They had to talk me through this old car loan. 
Additionally, my spouse and I filed chapter XXXX bankruptcy during the dark days of the pandemic. This situation was discussed at length with attorney, as he requested any and all negative debt over our lifetimes. I thought this debt was taken care of twice- with the initial illegal sale of vehicle and as a backup in bankruptcy. XXXX never entered Lobel Financial on the bankruptcy- the debt was not on my credit report and it must have been forgotten in communication. Because of a lean on the bankruptcy, I am told I am still responsible for this debt XXXX XXXX XXXX 
All attorneys I have met with have encouraged me to XXXX credit cards, purchase a new vehicle, quit paying certain bills and file for chapter XXXX bankruptcy. No legal assistance has otherwise been offered. 
If I had known, I could have tried to make it right. Instead, my hard earned money was ripped from me without notice or empathy. This will ruin my family, we are struggling to survive with current garnishment situation and are past saving reserves- bills and mortgage are now past due. My health has suffered from this ongoing issue and my spouse and children are suffering equally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
This complaint pertains to material violations of the Truth in Lending Act ( TILA ), specifically 12 CFR 1026.18 and 1026.22, involving overstated APR and finance charge disclosures. An independent calculation shows that the actual XXXX is XXXX %, while the lender disclosed an APR of 7.912 %, exceeding the allowed tolerance by over 1.7 %. The finance charge was overstated by more than {$160000.00}. These misrepresentations materially affected the affordability of the loan and directly contributed to foreclosure. This complaint is not about loss mitigation, but rather about illegal misrepresentation of the cost of credit at the time of loan origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
These accounts are being reported under my name without my authorization or knowledge. I have never opened or managed them. This is unacceptable and presents false, misleading information about my financial history. I take my credit seriously and need immediate clarification on why these accounts appear and who is reporting them.

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 2025-06-05 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:
In XX/XX/year>, I was a victim of identity theft, a situation that has generated various irregularities related to the improper use of my personal information. As a result of this fraudulent activity, I have identified an account reported by the company XXXX XXXX XXXX, with account number XXXX, for an amount of {$12000.00}. I want to state that I do not recognize this account, as I have never had any contractual or financial relationship with this entity.

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