vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting this statement because I recently discovered multiple unauthorized credit inquiries on my credit report. I was in the market for purchasing a vehicle and allowed XXXX dealership to review my credit for financing options. However, I later learned that my information was submitted to numerous lenders without my knowledge or explicit consent. As a result, there are now over XXXX hard inquiries appearing on my credit report from various financial institutions and auto lenders. I did not authorize each of these inquiries individually, nor was I informed that my credit would be sent to multiple lenders for approval. These excessive and unauthorized inquiries have negatively impacted my credit score and were conducted without proper disclosure or consent. I am requesting that these inquiries be investigated and removed from my credit report if found to be unauthorized or improperly obtained. Please provide written confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: AL

Complaint narrative:
It was last year I had a bunch of transactions that were done by someone else and I contacted them and instead of them fixing the problem they closed my account and I haven't been able to get another one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REPORTED IS FALSE AND MISLEADING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : 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

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 2025-11-04 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: PA

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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unverified items being reported on my credit file. These entries are seriously affecting my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of accurate and verifiable information only. 

The following items are inaccurate and must be investigated and corrected immediately : XXXX. Wrong Address Reported : XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have no association or residence history with this address. This information is incorrect and must be deleted from my credit profile immediately. 

XXXX. Unverified and Unknown Charge-Off Accounts : XXXX XXXX XXXXXXXX XXXX XXXX  High Balance : {$2600.00} | Date Opened : XX/XX/XXXX | Status : Charge Off XXXX XXXX XXXXXXXX XXXX XXXX High Balance : {$9300.00} | Date Opened : XX/XX/XXXX | Status : Charge Off I have no knowledge or recollection of ever opening or authorizing these accounts. These entries appear fraudulent or misattributed. Under the FCRA ( 15 U.S.C. 1681i ), I am demanding a full investigation and deletion of these unverified charge-off accounts from my credit file unless the furnishers can provide complete and verifiable documentation proving ownership, signed agreements, and payment history. 

XXXX. Incorrect Late Payment Reporting : XXXX XXXX XXXX XXXX XXXX High Balance : {$2000.00} | Date Opened : XX/XX/XXXX | Status : Late Payment This late payment notation is inaccurate. I have never made any late payments on this account. The creditors reported history is wrong and must be corrected immediately to reflect a perfect payment record. 

These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused measurable harm to my credit standing and financial stability. I have previously attempted to resolve these issues directly with the credit bureaus and creditors, but they have failed to provide any verifiable proof or make necessary corrections. 

Therefore, I request that the CFPB conduct a full investigation into these inaccurate reports and ensure the following actions are taken : Removal of all unverified and inaccurate charge-off accounts. 

Correction of the false late payment entry. 

Deletion of the incorrect address. 

Assurance that all future reporting complies with the FCRAs accuracy and verification standards. 

Please notify me of the results of this investigation in writing. I am attaching copies of my ID and proof of current address for identity verification purposes. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
I paid my XXXX credit card debt in full on XXXX. The debt was then sent to a collection agency, but XXXX has not updated my account or credit report to reflect that it is paid. I have contacted the company multiple times requesting confirmation and correction, but they have not provided the information or updated my account. I am disputing this inaccurate reporting and request the company to correct it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ENTRY DOES NOT REFLECT MY PAYMENT HISTORY ACCURATELY.

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 2025-11-04 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I opened my SoFi account on XX/XX/XXXX. On XX/XX/XXXX, I invited my wife to join the account, and she accepted on XX/XX/XXXX. That same morning, between XXXX and XXXXXXXX XXXX, she endorsed and mobile-deposited a check from XXXX XXXX XXXX and I endorsed and deposited a check from XXXX XXXXXXXX XXXX XXXX Both institutions are reputable, and the XXXX check was a beneficiary payout following the death of my mother-in-law. Shortly afterward, at XXXX a.m., the account was restricted. I called customer service around XXXX a.m. and was told the account had been closed. I requested a manager and was told one would return my call. At XXXX a.m., a manager called and informed me the closure was final. I was told the decision came from the Internal Review team, which can not be contacted directly. I was also told the deposited checks would clear after review and that any remaining balance would be mailed to us. No explanation for the closure was provided, my request to escalate further was denied, and I was told any future account application would have to go through a separate department. Tying up legitimate funds from reputable sources, including a beneficiary payment, is concerning. I had two months of direct deposits successfully directed to this account and intended to continue using the product, yet SoFi closed it without justification or transparency regarding its review. I was further told a comprehensive review was completed in less than two hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
I have requested how a {$300.00} credit card has me owing so much and she said I was paying the payments but they hit me with {$40.00} late fee Everytime which is crazy I was paying it. Then I had. XXXX XXXX  and I also had a XXXX XXXX l. I reached out numerous times before explaining what all was going on and they would not do anything to help me the XXXX you has to speak to didn't speak good English either. They sent my stuff to collections and I paid what the credit card was {$300.00} and stopped because they couldn't show me how it got so high weren't willing to work with me or anything. I need help with this issue because now they are trying to take me to court over this {$300.00} card I have paid for.... I just don't know what to do because {$1300.00} is a bit excessive in fees on a {$300.00} credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Giggle Finance Inc.
State: AR

Complaint narrative:
They sent me an email saying I matched with the lender so I tried to get a loan. It's a great news I was pre-approved. And then they told me better luck next time this happened twice and I got a hard hit each time I would like to sue them

Company response to consumer: Untimely response
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
We were in mortgage modification/forbearance from XX/XX/XXXX XX/XX/XXXX, approved by Shellpoint. We were told that as long as we followed the plan, no mortgage lates would be accrued during this time. We completed the plan successfully per the modification/forbearance agreement approved by Shellpoint. 
Furthermore, I received a Verification of Mortgage from Shellpoint on XX/XX/XXXX stating that the only late payment existing in the past 24 months was XXXX day late as of XX/XX/XXXX, which I have included in this letter. However, multiple mortgage lates were reported on my credit report by Shellpoint for the following months listed below. I have also provided a snippet from my credit report in association with my Shellpoint mortgage showing the listed mortgage lates after XX/XX/XXXX for reference, below. 
XX/XX/XXXX XXXX day late XX/XX/XXXX XXXX day late XX/XX/XXXX XXXX day late XX/XX/XXXX XX/XX/XXXX XXXX day late XX/XX/XXXX Showing past due amount

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 2025-11-04 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: TX

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 explanation
Consumer complaint received 2025-11-04 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
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 2025-11-04 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: CA

Complaint narrative:
I am disputing the following charged-off accounts as they appear to be inaccurately reported on my TransUnion credit report : XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$390.00} I believe the charge-off status on this account is incorrect and should be investigated. 

XXXX - Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} This account is incorrectly reported, and I request that it be reviewed. 

I also dispute the following inquiries, which I believe may not have been properly reported : XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX Please conduct an investigation into these items for accuracy. 

Late Payments ( All Bureaus ) : I am disputing the following late payments across all three bureaus, as I believe they may have been inaccurately reported : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  - Account Number : XXXX CURRENT - Account Number : XXXX Please investigate these late payments and adjust if they were reported in error.

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 2025-11-04 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
This company, Credence Resource Management added a collection notification on my credit report in XX/XX/year> without ever making any contact with me in writing or via phone. As of now, XX/XX/year>, they still have made no attempt to contact me about this debt. 
I attempted to contact them, but the phone number that they have on the credit report isn't correct. 
I did have an account with XXXX XXXX XXXX almost 5 years ago, which was cancelled after XXXX hours due to the fraudulent coverage statements by the salesperson. The hardware was returned, and I received a full refund for all monies paid. 
This is the XXXX collection company that has acquired this fraudulent debt over the last 3 years. The company last year was so unresponsive that I had to report them to CFPB and then they cancelled the collection immediately because they had no original verifiable records of the alleged debt.

Company response to consumer: Closed with non-monetary relief