vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Identity Theft Request for Investigation and Deletion of Fraudulent Accounts To Whom It May Concern, I am writing to dispute and request the deletion of inaccurate and fraudulent information on my TransUnion credit report. I am a victim of identity theft and did not authorize or open the following account ( XXXX ) : Fraudulent Collection XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$610.00} XXXX XXXX XXXX XXXX Fraudulent Accounts XXXX Last reported XX/XX/XXXX {$530.00} XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$750.00} XXXX XXXX XXXX  XXXX reported XX/XX/XXXX {$2000.00} These accounts do not belong to me. I have filed an identity theft report with the Federal Trade Commission ( FTC ) and am enclosing the following documentation : Copy of my FTC Identity Theft Report/Affidavit Copy of my government-issued ID ( drivers license or state ID ) Proof of my current address ( utility bill or bank statement ) Copy of my credit report with the fraudulent items highlighted Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion XXXX and permanently remove all fraudulent items related to this identity theft from my credit file. 

Please confirm in writing when these items have been deleted and provide me with an updated copy of my corrected credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of Birth : [ XX/XX/XXXX ] Last XXXX of XXXX : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX Many fraudulent charges were made XXXXXXXX XXXX XXXX XXXX  All rounding up too XXXX dollars. We called then and were told to wait XXXX days, we waited and finally got a call which then the employ told us there can be nothing done with this situation and that we lost XXXX just like that. We have proof of the fraudulent charges.

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 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I applied with SoFi to refinance my existing personal loan of approximately {$16000.00}. I requested {$19000.00} to cover the full payoff amount. The intent was to consolidate an existing balance into one lower-rate loan, not to borrow new funds. 

Over the course of about two and a half weeks, SoFi repeatedly requested new or duplicate documentation, including income verification, Social Security benefit screenshots, and bank statements. I provided all requested information promptly.

Despite this, SoFi approved only {$11000.00} and applied it directly toward my existing balance instead of refinancing the loan in full. This created two open accounts rather than one refinanced loan, which was never disclosed before approval. 

During the process, I also disclosed verified Social Security XXXX income related to my XXXX XXXX XXXXmmediately after providing that documentation, my approval amount was reduced. Disability and Social Security income are stable, qualifying sources under federal law, and should not have negatively affected my eligibility.

I was referred to SoFi through XXXX XXXX and XXXX while filing taxes, where the offer appeared to be a required or official option associated with federal tax services. I later learned this was a marketing partnership, not a government recommendation. 

This experience caused unnecessary stress, multiple document uploads, and a XXXX XXXX reduction from SoFis hard inquiry, even though the loan was never properly completed.

I am requesting that SoFi review my application manually, ensure my Social Security income is fully recognized, clarify why the loan was partially applied, and correct any credit reporting impacts caused by this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Upon recently checking my credit report for inaccuracy, I did indeed find inaccurate information that is being reported to my credit report by all three credit bureaus, Experian, Equifax, and Transunion. After noticing this error, I immediately contacted all three bureaus ( via mail ) requesting that the information be deleted. Needless to say, they didn't respond and neither did they delete the accounts. This is breaking Federal Law!

According to the Fair Credit Reporting Act - 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please help me with this matter!!

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 2025-10-15 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
I am filing this complaint because Experian and TransUnion are reporting a XXXX late payment for XX/XX/year> on my XXXX XXXX XXXX XXXX XXXX XXXX even though that payment was officially deferred and should never have been reported as late. 

On XX/XX/year>, I signed a written extension agreement with XXXX XXXX XXXX ( attached ) that explicitly states the payment due on XX/XX/year> was deferred to the end of the contract and that no late payment or delinquency should be reported or posted to [ my ] account or any credit bureau for the XX/XX/year> due date. Despite this, both Experian and TransUnion are still reporting the payment as late. 

I submitted this documentation to all three credit bureaus. XXXX  reviewed the evidence and corrected the error, but Experian and TransUnion have refused to do so and continue to report the late payment inaccurately. 

This false reporting is negatively affecting my credit score and creditworthiness. I am requesting that the CFPB require Experian and TransUnion to correct this inaccurate information and remove the late payment from my credit reports in compliance with the Fair Credit Reporting Act.

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 2025-10-15 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: GA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NM

Complaint narrative:
Evidence Statement This incident occurred on XX/XX/year>, at the XXXX XXXX XXXX XXXX concert in XXXX, Arizona. I was allowed into the event without any problem, but I was later removed by security without explanation or cause. The venue security was uncooperative when I tried to ask why, and I was not disruptive or violating any rules. 

Afterward, I contacted the venue to request a refund and received no response. I then contacted XXXX, who told me they could not issue a refund and that I would need to go through Affirm since I financed the tickets using their service. Affirm reached out to XXXX, and XXXX told them that the tickets were delivered, so they would not refund me. Affirm then sided with XXXX, leaving me responsible for paying for tickets to an event I was unfairly removed from. 

I tried reaching out to all three parties immediately after the concert, but I didnt keep track of exact dates or message receipts since it was a stressful situation. XXXX willing to dig up any receipts or proof of communication if needed, though most of them were on my old phone. I can provide my Affirm transaction details, XXXX order confirmation, and any payment statements as evidence that I made this purchase. 

Now this issue is impacting my credit, and XXXX being held responsible for something I never got to fully attend.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
In reference to the last dispute submit to you ( CFPB # XXXX ) I specifically ask to send me all the information which who you gathered this information on my account with and you fails to provide this to me and violated my rights under the FCRA 15 U.S.C. 1681g. You can see that you failed to provide me with the information I requested in your response to my dispute ( your response is also attached below Expierian Report Number # XXXX ) Please see the attached previousdispute submitted to you through the CFPB as well The account on my consumer report under XXXX  XXXX XXXX Account # XXXX is still reporting inaccurately and you have failed to properly investigate my dispute in accordance XXXX XXXX XXXX The charge off for thisaccount has been continuouslybeing report on my consumer report EVERY SINGLE MONTH since XXXX of XXXX is a one-time accounting event, not something that should be updated as a new derogatory item monthlyRepeatedly updating the charge-off status every month as if it's a recurring delinquency inflates its negative impact, which is misleading and XXXX not align with standard XXXX XXXX reporting guideline I am now XXXX that you remove this charge off from my consumer XXXX XXXX XXXX Account # 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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was scammed out of XXXX dollars. 

This is the digital wallet address that took my money XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Ive found collection accounts on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a truthful credit report. I request an investigation of these accounts, and removal if they cant be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I recently filed disputes with all three credit bureaus regarding a bankruptcy that appears on my credit report. I also submitted an Identity Theft Report together with my identification documents and proof of address to support my claim. 
I believe this bankruptcy is being reported inaccurately or may not belong to me. I requested that the bureaus verify the record directly with the courthouse, but it seems the information may have been verified through a third-party source instead. As a result, the item remains on my report even though the documentation I provided shows inconsistencies.

This has caused difficulties for me in obtaining credit and maintaining good standing with lenders, despite my efforts to resolve the issue properly. Ive done my part by providing all the required proof, but I have not received a clear explanation or correction.

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 2025-10-15 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent over a FTC report, myself about my information being breached. I uploaded supported documents and also did a CFPB report. The company response was that I didnt fill out the report myself, maybe a 3rd party which is inaccurate information and they are violating my rights under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) duty to investigate disputes submitted by the consumer.

15 U.S.C. 1681i ( a ) ( 2 ) duty to forward the dispute to the furnisher within 5 business days.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) duty to provide results of reinvestigation to the consumer.

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 2025-10-15 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: FL

Complaint narrative:
I do not acknowledge this debt as valid. I previously requested verification through the credit bureaus and asked for the original, signed purchase or service agreement from the original creditor as the only acceptable form of proof. 
The bureaus and/or the collection agency have failed to provide this documentation but continue to report the account. 
I am requesting that the CFPB review this matter and ensure that the credit reporting agencies and XXXX comply with the Fair Credit Reporting Act ( 15 U.S.C.

1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by either providing the required documentation or deleting the account from all three credit reports immediately.

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 2025-10-15 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: FL

Complaint narrative:
I do not acknowledge this debt as valid. I previously requested verification through the credit bureaus and asked for the original, signed purchase or service agreement from the original creditor as the only acceptable form of proof. 
The bureaus and/or the collection agency have failed to provide this documentation but continue to report the account. 
I am requesting that the CFPB review this matter and ensure that the credit reporting agencies and XXXX comply with the Fair Credit Reporting Act ( 15 U.S.C.

1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) by either providing the required documentation or deleting the account from all three credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Intrest rate too high. Makes it hard to pay off debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my dispute.

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 2025-10-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief