vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under XXXX XXXX. XXXX : XXXX XXXX  XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX  XXXX - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX XXXX - XXXX - Account not mine

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 2025-08-14 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inaccurate records must be removed under USC 1681g within 15 days.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX XXXX a resident of XXXX XXXX XXXX, XXXX, OH XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
This is a follow-up to my original CFPB complaint # XXXX, which can not be updated in the portal. 

I have a {$940.00} authorization hold from XXXX XXXX on my Sofi Bank account. The merchant confirmed the hold was released and is no longer active. Despite this, Sofi has refused to manually release my funds, and seems like theyre just letting drop off on the natural expiration date of XX/XX/year> which I refuse to wait for. I need this money now. 

This delay has placed my account in the negative and is causing ongoing financial hardship my autopay bills are being declined, and I can not purchase basic necessities like fuel. 

Escalation history : Sofi opened an urgent ticket on XXXX but has taken no action to override the hold. 

I contacted Sofi multiple times and provided merchant confirmation of release. 

I filed my original CFPB complaint : XXXX XXXX CEOs office and XXXX XXXX team both contacted me, stating they would bump up urgency, but still seems like theyre waiting until XX/XX/XXXX. 

I have requested written confirmation of Sofis refusal to manually release funds ; this has not been provided. 

Requested Resolution : I am requesting the CFPB compel Sofi to manually release these funds immediately or provide a written refusal so I can document their decision. This is a preventable and ongoing hardship that Sofi has chosen not to resolve despite having the ability to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-08-14 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: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why its there. I review my report regularly, and this sudden discrepancy appeared without warning. I even refreshed my browser, hoping it was just a glitch, but it remained. This is unacceptable, and I need the documents Ive sent to be reviewed immediately so I can put this frustration and worry behind me for good.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experience reached out informing me. It will take another XXXX  days when it is a clear violation of the law and my rights. that they have not responded to me within XXXX to XXXX  days. The original date of my request was on XXXX. 

Equifax and Trans Union has not responded at all

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 2025-08-14 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: GA

Complaint narrative:
Experience reached out informing me. It will take another XXXX  days when it is a clear violation of the law and my rights. that they have not responded to me within XXXX to XXXX  days. The original date of my request was on XXXX. 

Equifax and Trans Union has not responded at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am contacting you to formally dispute an unauthorized hard inquiry reflected in my credit file. I have reviewed my records and found no evidence that I ever applied for credit or gave permission for this inquiry to occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and protected. Futher more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I have an established history of timely payments and a proven record of creditworthiness. Despite this, XXXX XXXX has inaccurately reported a late payment on my XXXX  loan account. This alleged late payment was, in fact, paid, and therefore the reporting is false. 

I have taken every proper step to resolve this matter. I have sent three rounds of certified dispute letters to XXXX XXXX, and TransUnion ( copies attached ) requesting that this inaccurate late payment be corrected. I have also sent a direct written dispute to XXXX XXXX, my loan servicer. Both XXXX and the credit bureaus have failed to correct this error. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2, furnishers and credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct inaccuracies. XXXX and the credit bureaus have failed to meet these obligations despite being provided with proof and multiple opportunities to investigate and remove the false late payment. 

This continued inaccurate reporting is willfully negligent and is causing significant harm to my creditworthiness, credit score, and financial opportunities. I am requesting that the CFPB intervene to ensure immediate correction of my credit reports and to hold XXXX and the credit bureaus accountable for their noncompliance with 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 non-monetary relief
Consumer complaint received 2025-08-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have an established history of timely payments and a proven record of creditworthiness. Despite this, XXXX XXXX has inaccurately reported a late payment on my XXXX  loan account. This alleged late payment was, in fact, paid, and therefore the reporting is false. 

I have taken every proper step to resolve this matter. I have sent three rounds of certified dispute letters to Experian, XXXX, and XXXX  ( copies attached ) requesting that this inaccurate late payment be corrected. I have also sent a direct written dispute to XXXX XXXX, my loan servicer. Both XXXX and the credit bureaus have failed to correct this error. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2, furnishers and credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct inaccuracies. XXXX and the credit bureaus have failed to meet these obligations despite being provided with proof and multiple opportunities to investigate and remove the false late payment. 

This continued inaccurate reporting is willfully negligent and is causing significant harm to my creditworthiness, credit score, and financial opportunities. I am requesting that the CFPB intervene to ensure immediate correction of my credit reports and to hold XXXX and the credit bureaus accountable for their noncompliance with 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
Consumer complaint received 2025-08-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an established history of timely payments and a proven record of creditworthiness. Despite this, XXXX XXXX has inaccurately reported a late payment on my XXXX  loan account. This alleged late payment was, in fact, paid, and therefore the reporting is false. 

I have taken every proper step to resolve this matter. I have sent three rounds of certified dispute letters to XXXX, Equifax, and XXXX  ( copies attached ) requesting that this inaccurate late payment be corrected. I have also sent a direct written dispute to XXXX XXXX, my loan servicer. Both XXXX and the credit bureaus have failed to correct this error. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2, furnishers and credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct inaccuracies. XXXX and the credit bureaus have failed to meet these obligations despite being provided with proof and multiple opportunities to investigate and remove the false late payment. 

This continued inaccurate reporting is willfully negligent and is causing significant harm to my creditworthiness, credit score, and financial opportunities. I am requesting that the CFPB intervene to ensure immediate correction of my credit reports and to hold XXXX and the credit bureaus accountable for their noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This delay in reporting seems off, given my history of prompt payments.

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 2025-08-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX XXXX XXXX XX/XX/2025 I am writing to formally dispute several accounts currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that I believe is inaccurate, incomplete, unauthorized, or possibly fraudulent. The following accounts fall under those categories : Account Name : Jefferson Capital Systems Creditor XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : Jefferson Capital Systems Creditor : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX The information being reported for the above accounts is inaccurate, incomplete, and may be the result of unauthorized or fraudulent activity. This constitutes a violation of the FCRA, which requires that all data furnished to consumer reporting agencies be accurate and verifiable. 

I am formally requesting an immediate investigation into these accounts and their complete removal from my credit report if they can not be verified or corrected. Please provide written confirmation of your investigation and the outcome within the 30-day period mandated by law. 

Attached are copies of my identification and a recent utility bill to verify my identity and address. If additional information is needed to process this dispute, please contact me at the information above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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