vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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:
on Sunday evening of a holiday weekend and got a completed response by midnight the same day, then no human investigator could have reviewed it. That means Equifax relied entirely on their automated e-Oscar dispute system, which often just bounces disputes back to the furnisher without real investigation. 



Statement Regarding Equifax Dispute Results XX/XX/2025 On XX/XX/2025, at approximately XXXXXXXX XXXX. Eastern Time ( a Sunday and the day before XXXX XXXX ), I submitted a dispute through myEquifax. By midnight that same day, Equifax had already sent me a letter stating that the results of the dispute are complete. 

Because all consumer reporting agencies, creditors, and government offices were closed for the holiday weekend, it is impossible that a live investigator reviewed my case or that the furnisher of information was contacted and responded within that time frame. This clearly shows that my dispute was handled exclusively through an automated system, without meaningful human review.

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation when a consumer files a dispute. A same-day, holiday-weekend completion without human oversight demonstrates that no such reasonable investigation took place. 

This is further evidence that my rights as a consumer are being ignored, and that Equifaxs dispute process is not compliant with the law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally demand that you immediately cease and desist from any further abusive, harassing, or unlawful debt collection practices directed toward me. 

Your repeated conduct, including but not limited to [ phone calls at unreasonable hours, threats, abusive language, contacting my family/employer, false claims, or other abusive tactics ], violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

These actions have caused me unnecessary stress and emotional distress and constitute harassment as defined by law. 

Accordingly, I demand that you : Immediately stop all harassing, abusive, or misleading communications. 

Refrain from contacting me at my place of employment, with third parties, or at inconvenient times. 

Limit all future communication strictly to written correspondence delivered to the mailing address listed above. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office, as well as seeking damages in civil court. 

This letter serves as notice that I am fully aware of my rights under federal and state law. Nothing contained herein shall be construed as a waiver of any legal rights or claims. 

I strongly urge you to govern yourself accordingly. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
This is a formal dispute of multiple accounts being reported in my name without my authorization. I did not open, apply for, or manage these accounts, and I have no relationship with the reported creditors. Their presence on my credit report is inaccurate, misleading, and has caused measurable harm to my creditworthiness and wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I was XXXX  from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  in the XXXX XXXX XXXX XXXX XXXX Since my release Ive learned that my spouse XXXX XXXX has put numerous cards in my name without my knowledge. Every loan I have applied for with SoFi, XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, and vehicle leases with XXXX, XXXX XXXX XXXX, XXXX, as well as a certificate of deposit from the XXXX XXXX. Ive received adverse action letters and would like to receive a free file disclosure due to the inaccurate information provided by XXXX, XXXX, XXXX. Im expecting to apply for benefits within the next couple of months and this is hendering progression to my credit. 
Ive learned of XXXX XXXX XXXX  requesting my credit file which Ive learned from XXXX XXXX. I was under the impression that credit scores are reduced every time they are reviewed. 
Ive applied for housing through HUD but denied due to a felony conviction, given rehabilitation information from my XXXX  XXXX and told by the facility in XXXX XXXX that assistance is only for those out 3 years or less I cant access the virtual currency in which was obtained by ( XXXX ) an online gambling app that I won almost XXXX on. I tried to get a form in order to report the taxes and was hung up on repeatedly. In which I have the transaction information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
Re : Reinsertion of Account # XXXX on My Credit Report Dear Credit Reporting Department, I am contacting you regarding my XXXX  account # XXXX. This account was mistakenly deleted from my credit report under the designation of identity theft. I want to make it clear that this is not an identity theft case this is my account, and the deletion was in error by the credit reporting agencies I am requesting that the credit reporting agencies immediately resume furnishing the full and accurate history of this account to all three credit reporting agencies ( Experian, XXXX, and XXXX  ). As you are aware, under the Fair Credit Reporting Act ( FCRA ), furnishers must report accurate information, and this account belongs on my report. 

Please confirm in writing that you have corrected this mistake and have re-submitted my account history to the credit bureaus. Attached is my drivers license

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 2025-09-10 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: TX

Complaint narrative:
Re : Reinsertion of Account # XXXX on My Credit Report Dear Credit Reporting Department, I am contacting you regarding my XXXX  account # XXXX. This account was mistakenly deleted from my credit report under the designation of identity theft. I want to make it clear that this is not an identity theft case this is my account, and the deletion was in error by the credit reporting agencies I am requesting that the credit reporting agencies immediately resume furnishing the full and accurate history of this account to all three credit reporting agencies ( XXXX, XXXX, and TransUnion ). As you are aware, under the Fair Credit Reporting Act ( FCRA ), furnishers must report accurate information, and this account belongs on my report. 

Please confirm in writing that you have corrected this mistake and have re-submitted my account history to the credit bureaus. Attached is my drivers license

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 2025-09-10 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: VA

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

1681c2 ) that you, the TransUnion 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 XXXXXX/XX/XXXX, Balance : {$810.00} 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 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 2025-09-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed, yet they remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is alarming and strongly indicates potential identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-09-10 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: AL

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
Discovering a late payment on my account is both unexpected and concerning, considering my track record of punctual payments. This discrepancy is causing unnecessary worry, and I urge you to update my records to reflect the correct 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 non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXXOn XXXX XXXX someone added a debit card to my account I chatted with 2 customer service reps who told me to leave it on the account i have provide screenshots I filed a dispute which has been denied several times I have added the denial letter and I asked several times that I need more explaintation because the 2 transcations listed on the denial letter are the dispute transcations on their denial letter it states for your reference we have the summary of the transactions from your account that helped us determine our decision well Im confused how are we comparing dispute transcations to dispute transcations maybe because their is none to compare them to the card has never been on my account before. The last 1 1/2 year with withdrawls has been going to my XXXX  account. I dont have an account with benchmark bank it is not my debit card . Cash app sent me a notification to review a new device login but I never reviewed on the same day of the fraud it is still on my account but yet I can still access my account information and make changes even the account has been closed for over a year. If you are going to denied a dispute have customer service reps be able to explain it not just have someone else email the documentation that you already have.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

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

1681c2 ) that you, the XXXX 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 {$250.00} 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 2025-09-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I had a cc with Barclays since XXXX or XXXX, had an immaculate record with them. I was a bad car accident in XXXX, and had XXXX XXXX in XX/XX/XXXX, and the card then got out of hand due to medical bills and not working, etc. I tried to call to find out my options several times and 1st was told Id have to wait 60 days past due. Then I received an email there might be options, so I called on XX/XX/XXXX and spoke to a gentleman about a hardship program. He said the 1st payment would be due 30 days after ( XX/XX/XXXX ) to which i advised I could not do as I am moving and have a lot going on, I would need to make my 1st payment in XXXX. He said something to the effect of, " ok, we can work with you '', so i agreed to LISTEN to see what the options were. He went through the options, I took copious notes, he read the terms and said the 1st payment would be XXXX XXXX to which I replied, " I told you I couldn't make the 1st payment until XXXX, I told you that and you said ok ''. He said he was sorry, it was his fault and he misunderstood. I said I can not do it now, I will callback in beginning of XXXX to be able to make my 1st payment in XXXX, which I scheduled in my calendar, he replied there's no guarantee the program will be available. I NEVER agreed to the enroll in the program, or said YES. 
When I called back on XXXX to enroll, I found out I was already enrolled without my permission. They said they were going to listen to the call and get back to me in 72 business hours ( XXXX ). They called me this day, but acting as if I didn't know I owed the , not mentioning of the program or the results of the listened to call. I asked to speak a manager, and when he came on we were disconnected or he hung up. I then called back later and spoke to their collections department, which advised the call was listened to by 3 different agents and they determined because the terms were read, although I DID NOT AGREE OR SAY " YES '' to enroll, that counts as enrollment, and there was/ is nothing I can do. I have that original call recorded and this 2nd call as well. It's clear I said I can not do it, and I will call back in XXXX and he said hie made a mistake. I feel this is not only wrong, but illegal. I am in sales, and its illegal to send an application without approval. it has to be against the law. 
Please advise. 


Thank you

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 2025-09-10 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I attempted to open an account with Marcus by Goldman Sachs and was told I needed to call to provide additional information. I called and confirmed all of the information I already gave them and they said they were declining to open an account for me. They refused to say why. They refused to provide information on how I could learn why they were declining an account.

Company response to consumer: Closed with explanation