vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and collections accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate collections and inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: PA

Complaint narrative:
My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and collections accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate collections and inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX XXXX inquiry : 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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Capital One owes me {$2800.00} from a XXXX adjustment on XX/XX/scrub> 2025 for which a check was never sent. 

After calling yesterday and waiting for over 1h and 30min they tell me they will issue the check as the hold placed on it is no longer needed, all of the fraud claims have been solved in my favour.

Nevertheless today I call again to confirm the status and they say that it won't be issued.

I've been going back and forth like this for over one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I have a student loan with Sofi. On XX/XX/scrub> 2025 I inquired about refinancing that loan, and I was able to execute my promissory note, and required disclosures. 

On XXXX XXXX2025 I logged into my Sofi account and saw where both loans showed as outstanding. When I clicked on the old loan it indicated it was " converted '' to the new loan on XX/XX/scrub> 2025. But it still shows as outstanding and I owe payments. I contacted Sofi and was told over the phone by their customer service representative that their system need to work through it's processes but the old loan would drop off shortly. 

On XX/XX/scrub>, 2025 I established an auto payment for the newly refinanced loan. And canceled my automatic payment on the old loan. 

On XX/XX/scrub> 2025, I logged back into my Sofi account and the old loan is still showing as owed, and the same detail of it being converted on XXXX XXXX, 2025 was there. I again called Sofi and spoke to another customer support agent, who explained it can take up to 30 days for the old loan to drop off. I then asked, the old loan has a payment date of XX/XX/scrub> 2025 what should I do about that payment if the loan hasn't drop off yet and he told me not to pay it. So I did not make a payment. 

On XX/XX/scrub> 2025 I logged into my Sofi account and both loans are still showing and the old loan shows past due! I checked my credit and I have a negative report on my credit now! 

How can Sofi take so long to process this refinance and how can they say my old loan is past due when it shows it was converted and I was told not to make the payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am submitting a formal dispute against American Express regarding multiple inaccurate late payment entries on my credit report across XXXX, XXXX, and XXXX for my American Express account ending in # XXXX. These erroneous reports have negatively impacted my credit score and financial standing. 

Upon reviewing my credit report, I discovered the following discrepancies : 6 incorrect late payments on XXXX 4 incorrect late payments on XXXX Multiple late payments on XXXX ( with supporting evidence attached ) These reports are inaccurate, unverifiable, and must be immediately corrected in compliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2, which requires all furnished credit information to be complete, accurate, and up-to-date.

Why this dispute is valid : 1. Failure to Provide Proper Notice American Express failed to notify me of these alleged delinquencies, which is a violation of consumer rights.

2. Failure to Validate Reporting Amex has not provided any valid proof or billing breakdown confirming that these late payments were legitimate.

3. Processing & Internal Errors My account is now in good standing, meaning these late payments should not exist.

4. Impact on My Financial Standing Due to these false late payments, I have been denied access to credit and unfairly penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the songEquifax and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I checked my credit report and found that I had inaccurate information on my report. I found it. I had accounts opened fraudulently on my account. I then reached out to the company and explain to them that the accounts needed to be closed, this information was not supposed to be reported to my credit report. I requested documentation I requested information about the account itself, and I did not receive any information in regards to how this account was opened and who opened it my request was completely ignored. I then filled out an identity theft affidavit with FTC and from there, I did contact the XXXX XXXX, the songXXXX  and XXXX and dispute the information in which they told me that they reached out to the credit cardcompanies and found out the information was accurate. I then asked them how was this information Accurate what information did the company provide to you? That showed that this information was accurate And I did not receive any information into regards to what information was actually validated. This information is reported to my credit report fraudulently it needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-03-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MS XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MS XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX  7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

8. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

11. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

12. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 


In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation into these items and their subsequent removal from my credit report. I understand that you are required to verify the information with the creditor who reported it. Any unverifiable information should be promptly removed. As stated in 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the receipt of this letter.

Please send an updated copy of my credit report to the address provided above. I would like to emphasize that, as per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months regarding any corrections made.

Thank you for your attention and assistance in resolving this matter. 

Yours sincerely, _____________________________________ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: OR

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Issue : Inaccurate Reporting and Failure to Update Credit Report What Happened : I had an account with XXXX XXXX XXXX XXXX XXXX that was placed with XXXX XXXX for collection. XXXX XXXX offered a settlement to resolve the account, which I accepted and paid in full by XX/XX/year> for {$650.00} as agreed. I received a Settlement Paid Confirmation letter from XXXX XXXX on XX/XX/year>, stating that they would notify XXXX XXXX  to update their records. 

Despite this, XXXX has failed to update the credit bureaus to reflect the settlement as " Paid as Agreed '', and the account remains inaccurately reported on my credit file. I disputed the inaccuracy with the credit reporting agencies ( Experian, XXXX, and XXXX ), but the account remains unchanged. 

Violations & Request for Resolution : Per 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information, which XXXX failed to do. 
Under 15 U.S.C. 1681s-2 ( b ), once disputed, they must investigate and update the information, which has not been done.

The credit bureaus violated 15 U.S.C. 1681i and 1681e ( b ) by failing to maintain accurate records after my dispute. 
I am requesting that XXXX immediately update the account to reflect the correct status as Paid as Agreed or delete it entirely if they can not verify the correct information. The credit bureaus must also take corrective action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached the settlement confirmation letter as proof. Please investigate this matter and require the responsible parties to correct or remove the inaccurate 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 2025-03-14 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: OR

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Issue : Inaccurate Reporting and Failure to Update Credit Report What Happened : I had an account with XXXX XXXX XXXX XXXX XXXX that was placed with XXXX XXXX for collection. XXXX XXXX offered a settlement to resolve the account, which I accepted and paid in full by XX/XX/year> for {$650.00} as agreed. I received a Settlement Paid Confirmation letter from XXXX XXXX on XX/XX/year>, stating that they would notify XXXX XXXX  to update their records. 

Despite this, XXXX has failed to update the credit bureaus to reflect the settlement as " Paid as Agreed '', and the account remains inaccurately reported on my credit file. I disputed the inaccuracy with the credit reporting agencies ( Experian, XXXX, and XXXX ), but the account remains unchanged. 

Violations & Request for Resolution : Per 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information, which XXXX failed to do. 
Under 15 U.S.C. 1681s-2 ( b ), once disputed, they must investigate and update the information, which has not been done.

The credit bureaus violated 15 U.S.C. 1681i and 1681e ( b ) by failing to maintain accurate records after my dispute. 
I am requesting that XXXX immediately update the account to reflect the correct status as Paid as Agreed or delete it entirely if they can not verify the correct information. The credit bureaus must also take corrective action to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached the settlement confirmation letter as proof. Please investigate this matter and require the responsible parties to correct or remove the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: CA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a chase checking account that i had for over 10 years and XXXX was sent to wrong person after the funds was sent. Didnt realize it was the wrong person til the funds were gone. I was never issued a reimbursement and told the company my issue and it never was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 


Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

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