vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Date of Birth : XXXXXX/XX/XXXX SSN : XXXX  Date XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

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

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
I am submitting this complaint regarding several accounts reporting inaccurate late payments and charge-offs on my credit report. These accounts are impacting my creditworthiness, and I am requesting the CFPBs assistance in having the creditors validate their reporting or remove the accounts if they can not comply with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$45.00} Late Payments Reported : XXXX XXXX 30 days late XXXX XXXX 30 days late XXXX XXXX 60 days late These lates are inconsistent and unexplained. I request validation of the delinquencies. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} This account shows as late, but I dispute its accuracy and request proper documentation. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} This account is reporting a charge-off, but I have not received proper validation or notice. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( shows as charged-off ) This account continues to report negatively despite a {$0.00} balance, which is misleading and potentially in violation of accurate reporting standards. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reporting a charge-off without proper verification of debt or documentation of attempts to collect. 

XXXX XXXX XXXX Bank Date Opened : XX/XX/XXXX Balance : {$43000.00} Reporting a charge-off for a large balance without supplying a detailed breakdown, account history, or proper validation.

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 2025-06-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting 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 2025-06-02 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-02 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: TX

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$4100.00} Inquiries XXXXXXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/year> I was emailed from sofi stating At SoFi, your account safety is our top priority. We are reaching out to let you know that we recently noticed irregular activity on your SoFi bank account. 
For your protection, your account has been temporarily restricted while our team investigates the nature of the activity. We apologize for the inconvenience, but during this time you will not be able to complete any deposit or withdrawal activity on your account, transfer funds, or use your debit card. 
Please reach out to us as soon as possible to review your account. You can contact us XXXX, press ' XXXX ', or say 'security ' to connect with the SoFi Member Security Team . 
We appreciate your immediate attention to this matter to help us resolve this issue quickly. If you have already been in touch with us about this restriction, thank you, and please disregard this message. 

My bank account balance is {$250.00} I tried to contact them and let them know I need this money for bills and food and gas to get around and get to my job and so I can do things and they told me that Ill get the money when I get it theyre in control and decide when I get it I feel very disappointed and bullied for this decision I just want to get my money out and you can close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PR

Complaint narrative:
I am writing to dispute inaccurate information reported on my account. The last payment details reflected are incorrect and do not match my records. Due to the inaccuracy and its impact on my credit profile, I am formally requesting that this account be re-investigated and deleted from my credit report. If the information is not accurate in all credit bureaus it violates my rights as a consumer. Please delete the account.

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Thank you for your prompt attention to this matter.

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 2025-06-02 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:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
I have filed an FTC report as well as filing several complaints. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX does not belong to me. All collections need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MS

Complaint narrative:
I have filed an FTC report as well as filing several complaints. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX does not belong to me. All collections need to 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 2025-06-02 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
A block was placed on my checking account by tolls / XXXX  once i reached a settlement with them. they sent the notarized documents to Bank of america on XX/XX/XXXX to release my account back to me .. on XX/XX/XXXX at XXXX i reached out to bank of america to see why my account was still frozen. They informed me that they didnt think my signature on a notarized document that i had to sign in front of a witness didnt match so i needed to update my signature, which i did on the XXXX and i also called to confirm at XXXX. Bank of americas legal team said it would take XXXX to XXXX days to review. on XX/XX/XXXX at XXXX when i called to check the status i was informed that my signature wasnt the issue. the issue was title XXXX in my name was on the notarized document but not on my bank account file, which is a blatant lie because my debit card clearly says XXXX XXXX XXXXXXXX XXXX Today i reached out to them once again. i spoke to a representative at XXXX who informed me that the legal team said they were still reviewing my signature, which leads me back where i started. im so frustrated and disgusted with how my situation is being handled .. Bank of America made a difficult situation worse than it was. thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am the parent of a XXXX XXXX XXXX who made approximately {$3900.00} in unauthorized in-app purchases on my XXXX account without my permission or knowledge. These charges were made using my [ debitXXXX XXXX card, which was stored on the device for convenience. 

I contacted XXXX and explained that the purchases were made by a minor with a XXXX and asked for a refund. Despite my explanation, XXXX refused to reverse the charges. I then contacted my bank to dispute the transactions, but they also denied my request.Because they said its a Valid charge I did not authorize these transactions. My child is a XXXX  and did not have my consent to make purchases. Under Regulation E and the Fair Credit Billing Act, I believe I should not be held liable for unauthorized use.

I am requesting assistance in getting these charges refunded, either through my bank or through regulatory intervention. I have since taken steps to prevent future incidents ( parental controls, password protection, etc. ).

I am happy to provide documentation of the charges, my communications with XXXX, and my bank if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CA

Complaint narrative:
I have a student loans with mohela I have a parent student loan my account online is in good standing I have been making payment on time. But on my moms ends shes been receiving calls from mohela saying weve missed payments since XXXX which is incorrect both me and my mom have tried calling directly and were on hold for too long no one ever answered. My mom as well tried using there automated system and it says our balance is due XXXX which makes no sense if online my account is up to date with payments and I have made an effort to make sure my monthly payments goes through on time. Decided to file a complaint after seeing news articles saying mohela is getting sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing ( formally NewRez ) has mishandled out mortgage account by processing our on-time payments late and falsely marking our account as deliquent. Despite proof of timely payments, we have received two certified foreclosure letters, and the inaccurate reporting has damaged our credit scores. 
We have contacted Shellpoint multiple time and kept getting detailed notes of these conversations, but the problem remains unsolved

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 2025-06-02 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation