vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I contacted SoFi to request hardship assistance on my credit card account. I explained that I am experiencing temporary financial hardship and want to avoid default by making reduced or temporary payments. I was told by their hardship department that they will not offer any assistance unless my account is first delinquent.

This policy is unreasonable, punitive, and backwards. It forces customers to deliberately miss payments and destroy their credit in order to even discuss getting help, let alone actually receive it. I am trying to be proactive and responsible by reaching out before falling behind, but SoFis position is that no options exist unless I default first.

I believe this is a harmful practice that punishes borrowers for being responsible. I am not asking for forgiveness of debt, only temporary relief so I can continue paying in good faith. SoFis refusal to offer options unless I first damage my credit is predatory and beyond unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: ID Analytics, Inc.
State: NC

Complaint narrative:
am the victim of identity theft and ongoing credit fraud. My personal information has been exposed in multiple data breaches, which has directly contributed to fraudulent accounts being opened in my name without my knowledge or consent. Specifically, I discovered the following fraudulent accounts : XXXX  XXXX credit card, Account ending XXXX, opened in XX/XX/XXXX, with a fraudulent balance of approximately {$11000.00}. XXXX XXXX XXXX XXXX auto account, Account ending XXXX, opened in XX/XX/XXXX, with a fraudulent balance of approximately {$42000.00} I never applied for, authorized, or benefited from these accounts. I discovered the fraud in XX/XX/XXXX and immediately filed an FTC Identity Theft Report ( Report No. XXXX ). 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I demand that XXXX XXXX, XXXX XXXX XXXX XXXX, and any associated collection agencies cease and desist all collection, reporting, and litigation activity related to these fraudulent accounts. The fraudulent accounts are invalid, unenforceable, and have no legal standing in any court. My correct and verified address for all reporting purposes is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX respectfully request that the CFPB require the permanent removal of these fraudulent accounts from my credit file, ensure my rights under federal law are protected, and hold the responsible parties accountable for attempting to enforce debts arising from identity theft and data breach exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CBC Companies, Inc.
State: NC

Complaint narrative:
am the victim of identity theft and ongoing credit fraud. My personal information has been exposed in multiple data breaches, which has directly contributed to fraudulent accounts being opened in my name without my knowledge or consent. Specifically, I discovered the following fraudulent accounts : XXXX  XXXX credit card, Account ending XXXX, opened in XX/XX/XXXX, with a fraudulent balance of approximately {$11000.00}. XXXX XXXX XXXX XXXX auto account, Account ending XXXX, opened in XX/XX/XXXX, with a fraudulent balance of approximately {$42000.00} I never applied for, authorized, or benefited from these accounts. I discovered the fraud in XX/XX/XXXX and immediately filed an FTC Identity Theft Report ( Report No. XXXX ). 
Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), I demand that XXXX XXXX, XXXX XXXX XXXX XXXX, and any associated collection agencies cease and desist all collection, reporting, and litigation activity related to these fraudulent accounts. The fraudulent accounts are invalid, unenforceable, and have no legal standing in any court. My correct and verified address for all reporting purposes is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX respectfully request that the CFPB require the permanent removal of these fraudulent accounts from my credit file, ensure my rights under federal law are protected, and hold the responsible parties accountable for attempting to enforce debts arising from identity theft and data breach exposure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BK COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I neither opened nor authorized these accounts, and it is unfair for me to be held accountable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 numbe
r XXXX,,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I paid the XXXX XXXX XXXX XXXX XXXX XXXX credit card to a XXXX balance. XXXX XXXX has failed to report this to the credit bureau. This has negatively affected my credit score giving me a POOR rating! Credit bureau now showing now that I am using over 90 % of my available credit even though I now have available credit of {$24000.00} on this card and it should be under 50 %. I was told by XXXX XXXX to submit in writing the issue and mail it to them and it would take thirty to forty-five days for them to investigate and correct after receipt of complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: SERVICEMAC, LLC
State: TN

Complaint narrative:
My mortgage was transferred recently to ServiceMac. I followed the instructions I received to make my new account and verify that my auto pay had been transferred. On XX/XX/XXXX I tried to login, and it gives me an error and says to try again later. I emailed support for help but only received an automated message in reply. A week later and I still can not login and have not received any answers from ServiceMac despite multiple follow-ups. I also was told by my home insurance agent to email my home insuranace invoice directly to ServiceMac, as due to the timing of the payment and the transfer they may not have received everything in time by mail. They payment is due XX/XX/XXXX and still no answer from Service Mac on that either. I thought it was just me until I checked their XXXX reviews, and the last month is full of people complaining they can not access their accounts and ServiceMac won't help them. If they are having an issue with their website, they need to communicate that clearly, and make sure people know they will not be penalized due to their issues. If they can not handle servicing all of these mortgages, they should never have acquired them in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-09-04 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : US DEPARTMENT OF EDU- Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} US DEPARTMENT OF EDU- Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} US DEPARTMENT OF EDU- Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} US DEPARTMENT OF EDU- Account Number XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$25000.00} US DEPARTMENT OF EDU- Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} US DEPARTMENT OF EDU- Account Number XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} US DEPARTMENT OF EDU- Account Number XXXX XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I receive a phone call today, Thursday, XX/XX/XXXX, 2025, at XXXX XXXX, EDT, from a XXXX XXXX XXXX from JP Morgan Chase ( Employee ID # : provided : XXXX ). Phone number : XXXX He stated that someone had tried to make a purchase from XXXX on my credit card ending in XXXX for a charge in the amount of {$2900.00}, and he was calling to verify whether I made the purchase. 

I advised XXXX XXXX that I did not make that purchase, nor did I have a Chase credit card. I did NOT apply nor authorize this card, nor did I attempt to purchase guns or arms. 

I asked him to provide me with the details for the credit card. ( where the card was applied for and when it was opened, and where it was shipped/mailed, as well as any mailing address on file ). 

I requested him to give me a case number as a reference : CASE # : XXXX He said the call would be recorded and that I needed to file a report that this was not me nor did I authorize this. So, this is what I am doingnotifying your organization. He said to report to the FBI. I did attempt to do so, but was referred to your website by the FBI to file a report with you. 

The credit card details are : CC # : XXXX Exp. Date : XX/XX/XXXX CVS : XXXX The application was at : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Type of credit card : XXXX  ( Sapphire Preferred ) Date of application : XX/XX/XXXX2025 Date issued/activated : XX/XX/XXXX/2025 Name on application : XXXX XXXX Phone number on application : XXXX The credit card was mailed to : XXXX XXXX, XXXX, NY XXXX Shipping address they see from the purchase : XXXX XXXX, XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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