vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: SC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a fraudulent account that has been inaccurately reported under my credit history. I did not authorize or open this account, and I have no connection to it. Its presence is misleading and damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
The only fair resolution here is the immediate removal and permanent blocking of these inaccurate accounts from my credit report. This situation has already caused me more than enough stress, and I expect it to be corrected at once so I can finally get some relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-27 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Triedd to withdraw money that I deposited into XXXX Robinhood account. Account got unexpectedly locked for no reason, leaving my funds stranded in Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit reporting agencies are reporting data I am not liable for. XXXX XXXX XXXX in the amount of 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 2025-08-27 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
My mortgage with XXXXXXXX XXXX XXXXXXXX and my auto loan with XXXX XXXX XXXX are being inaccurately reported by all three credit bureaus as Discharged through XXXX  XXXX Bankruptcy. 

This is false. These accounts were not discharged and remain open and active : I continue to make monthly payments on both. 

Steps I have taken : Disputed with TransUnion ( XX/XX/year>, Dispute ID : XXXX ). 

TransUnion closed dispute without investigation ; XXXX  and Equifax continue reporting them inaccurately. Equifax does report the XXXX as open, XXXX shows discharged in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I've been banking with Wells Fargo as my primary account since XXXX. Unfortunately life events happened and I was solely responsible for handling the situation. My father had passed away on XXXX XXXX. A funeral was held in XXXX XXXX. I was financially responsible for the funeral bill. I had to fly out from Arizona, which is my current residency since XXXX, to NY/NJ to handle my father 's estate paperwork. Well the first time around things got handled pretty smoothly. Funeral services and traveling expenses were paid via credit card and savings, I had accumulated over the course of time from Wells Fargo. I could not do anything with my father 's estate until the original death certificate had officially came in possession of the funeral home in NY. Which finally was in my possession on XXXX XXXX. I had one of my family member ship it over to me in Arizona. I had to make a return trip back to NJ via plane again to give my father 's active bank all the information provided to retrieve and close down my father 's bank account on XX/XX/XXXX. He was banking with " XXXX XXXX  '' a local east coast bank. XXXX cashier 's check was issued to me, XXXX for the checking account and the other for savings account was issued under my name since I was the beneficiary on my father 's account. This is where things got frustrating. Since I am in NJ now, I refuse to travel via plane back to Arizona with XXXX on me XXXX decided to travel to a local branch of Wells Fargo XXXX minutes via car travel from XXXX XXXX XXXX. The Wells Fargo teller insisted that I deposit my cashier 's checks to an ATM. At first I did not want to. I insisted that I prefer a teller. A pushy tactic was achievable and made me believe that an ATM deposit was not an issue. For this $ amount I felt more comfortable with a human than a machine.This all happened around XXXX EST. I hang around with family in NJ until my time of departure. I get an email at XXXX EST stating one of the cashier 's check could not be verified. Now to be mindful these cahsier 's check had the same signature issued by the same bank. I was told to wait and be patient give it time to process. It is now XXXX XXXX and neither of the cashier 's check has been cleared. Now Wells Fargo have to reissue a check for me to cash in. DELAYING paying WELLS FARGO their payments. It is unfair and untrusting that your bank will not expedite services in time of need. Why bother having an account with a bank for years and they can not even trust you with a cashier 's check. It's pathetic!

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-27 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: Experian Information Solutions Inc.
State: NC

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 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 2025-08-27 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-27 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: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My account was fraudulent charged without my consent on XX/XX/year> in the amount of {$250.00} I reported the fraudulent charge to SoFi on XX/XX/year> after noticing funds were missing from my account, upon reporting the fraud to Sofi, Representative XXXX gave me a Claim XXXX XXXX XXXX XXXXXXXX ) and stated it would take 10 days to review. However, after not receiving any updates or communication regarding the claim in over 30 days, I contacted Sofi again on XX/XX/year> at XXXX and, spoke with representative XXXX XXXX XXXX stated that I should receive and email that day and a provisional credit would be applied to my account since the claim was over 30 days, and SoFi gives a 10-day window to review claims ( ticket XXXX XXXX ). I did not receive any emails or any other communication on that dated. However, on XXXX, I received an email stating that my claim had just been received in their office and 10 days of investigation time is needed. 

Due to ongoing noncommunication and miscommunication it has caused a financial hardship for my family and me. Also, I feel due to Sofi 's unacceptable customer service etiquette they have fail at providing everyday essentials banking needs and, should refund the monies taken due to fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 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 submitting this complaint because both XXXX and Experian are reporting charge-offs for my accounts with XXXX XXXX that are either inaccurately reported or contain unverifiable information. Specifically, XXXX XXXXXXXX ending in XXXX is reported as a charge-off on XX/XX/XXXX for {$2900.00}, and XXXX XXXX ending in XXXX is reported as a charge-off on XX/XX/XXXX for {$1100.00}. These entries are either the result of incorrect reporting from the furnishers or stemming from a known data breach affecting credit reporting accuracy. Neither bureau has provided any verified documentation proving the legitimacy of these charge-offs, despite my repeated disputes, and both continue to publish this damaging information as if it were accurate. 

These charge-offs are materially misleading and have caused me severe financial and emotional harm. They have negatively impacted my ability to secure credit, increased the cost of borrowing, and caused undue stress and frustration as I try to correct errors that are not my fault. The reporting of these charge-offs is a clear violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), each consumer reporting agency must maintain procedures that ensure the maximum possible accuracy of information in consumer reports. Reporting these unverified charge-offs fails this statutory duty. Additionally, under 15 U.S.C. 1681i ( a ), I am entitled to a reasonable reinvestigation of any disputed information. Merely passing along unverified data from a furnisher, or relying on potentially compromised records without proper verification, does not satisfy the law. The continued presence of these charge-offs constitutes a willful violation of my legal rights.

The personal impact of these inaccuracies is profound. Beyond tangible financial consequences such as denied credit applications and higher interest rates, the repeated failures to correct these charge-offs have caused ongoing stress, anxiety, and a sense of helplessness in dealing with negligent reporting. I should not have to bear the consequences of errors resulting from a data breach or inaccurate furnishing. The law was designed to prevent exactly this type of harm, yet both XXXX and Experian continue to report these items without verified proof.

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 2025-08-27 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: FL

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

1681c2 ) that you, the Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4600.00} 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, 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 2025-08-27 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:
According to USC 1681g, erroneous accounts like these must be corrected within 15 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 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The Chase representative advised that although we paid the full amount due of XXXX on XX/XX/XXXX ( prior to the due date ) we would still be charged interest according to their policy. This doesn't seem right, especially if we are paying our bill in full. The representative said that is the policy and we are required to pay the interest on the next statement.

Company response to consumer: Closed with explanation