vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 2025-05-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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 believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-05-30 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$4300.00} Open Date XX/XX/XXXX, XXXX  Balance : {$3200.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX  XXXX Balance : {$330.00} Open Date XX/XX/XXXX, XXXX  Balance : {$110.00} Open Date XX/XX/XXXX, XXXX  XXXX Balance : {$54.00} Open Date XX/XX/XXXX, XXXX  XXXX Balance : {$1800.00} Open Date Balance : {$1800.00}, XXXX XXXX XXXX Balance : {$190.00} Open Date XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Open Date Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance {$1500.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX {$1100.00} Open Date XX/XX/XXXX, XXXX XXXX Balance {$0.00} Open Date XX/XX/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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
U S DEPT OF EDXXXX XXXX Balance {$7600.00} U S DEPT OF EDXXXX XXXX Balance {$950.00} U S DEPT OF EDXXXX XXXX Balance {$8200.00} U S DEPT OF EDXXXX XXXX Balance {$8400.00} U S DEPT OF EDXXXX XXXX Balance {$7600.00} U S DEPT OF EDXXXX XXXX Balance {$980.00} U S DEPT OF EDXXXX XXXX Balance {$9200.00} U S DEPT OF EDXXXX XXXX XXXX {$7400.00} DEPT OF ED/XXXX XXXX Balance {$2600.00} U S DEPT OF EDXXXX XXXX Balance {$1800.00} U S DEPT OF EDXXXX XXXX Balance {$3300.00} U S DEPT OF EDXXXX XXXX Balance {$5300.00} U S DEPT OF EDXXXX XXXX Balance {$4900.00} U S DEPT OF EDXXXX XXXX Balance {$1100.00} U S DEPT OF EDXXXX XXXX Balance {$6300.00} U S DEPT OF ED/XXXX XXXXXXXX Balance {$7800.00} U S DEPT OF EDXXXX XXXX Balance {$3900.00} XXXX XXXX Balance {$2400.00}

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 2025-05-30 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: CA

Complaint narrative:
I am submitting this complaint because Equifax and Experian has failed to honor my official dispute regarding fraudulent items on my credit report. I am a confirmed victim of XXXX XXXX. I sent disputes to all 3 credit bureaus and received a tracking on the delivery of the disputes. Both EQUIFAX AND EXPERIAN received my XXXX XXXX documents and disputes and statements as well as my request for an emergency correction on XXXX XXXX, I submitted an official dispute package to Equifax and Experian, which included : A Victim Determination Letter from California Victims of Crime A written statement from the detective handling my case Additional documentation from the State of California victim of crime compensation -A dispute letter -A personal statement from me explaining that I am a documented victim of XXXX XXXX - A request for ( 4 day block ) emergency corrections Despite receiving these verified documents over 10 days ago, both Equifax and Experian has refused to remove the fraudulent accounts from my credit report. They have invalidated official state and law enforcement documents, which are legally sufficient under the Fair Credit Reporting Act ( FCRA ) and Section 605C of the Consumer Reporting Reform Act, which protects survivors of XXXX. 

Equifax and Experian continues to report these negative accounts ( all of which were opened and used by my XXXX  ) and they refuse to validate or remove them, violating federal consumer protections for XXXX  survivors. 

I am attaching the same official documentation I sent to Equifax and Experian to support this complaint. I respectfully request that the CFPB step in and hold Equifax and Experian accountable for their noncompliance, and assist me in getting these fraudulent items permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
About 2 years ago I had a XXXX XXXX  card through Synchrony Bank with a credit limit of {$10000.00}. I had a balance on the card of just under {$3000.00}. I had a reoccurring subscription on the card that was rejected. When I looked at my card use I saw that my credit limit was lowered to just above what my balance was. When I asked the card company about why it was lowered they said it was because of a lack of revolving credit such as a house mortgage or car note. I did and still do have a house mortgage which is currently around {$58000.00}. The cause of the drop in available credit caused a large drop in my credit score of XXXX points. They refused to go back and review my credit history again and raise my credit limit back and make amends on their actions towards my credit score.

It wasn't until now that I learned that I can file a complaint with an entity to help in a possible resolution to my plight.

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 2025-05-30 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 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 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. ''

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 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a {$1000.00} XXXX payment from my SoFi Bank account to an individual named XXXX XXXX. The payment was for a used car that he claimed was in XXXX XXXX reliable condition. The seller further stated he would not do bad business because it was against his religion, which led me to believe I could trust him. 

We left the vehicle with the seller at his tire and oil shop for a couple of days so he could perform minor repairs and an oil change, which he promised. We picked the car up on XX/XX/XXXX. Within XXXX days, the car was nearly out of oil, suggesting either no oil change was performed or a serious mechanical problem was concealed. We also discovered roach eggs inside the vehicle despite a deep cleaning, pointing to a pre-existing infestation. 

I submitted a dispute to SoFi with a detailed written statement and photographic/text evidence showing the seller misrepresented the condition of the car. However, SoFi denied the dispute, stating that no error occurred, and closed the case. I later contacted SoFi again, and the case was reopened briefly, but ultimately closed again for the same reason. 

I understand XXXX transactions are more difficult to dispute, but this was a clear case of fraud and misrepresentation. I am requesting CFPB assistance in asking SoFi to fully reconsider the case and treat it as a deceptive transaction, not simply an authorized payment. I can provide supporting documentation, including the statement, chat logs, photos of the vehicles condition, and seller communication, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Dear Midland Credit XXXX XXXX XXXX, XXXX XXXX, this communication is in response to the CFPB submission you provided on XX/XX/XXXX. In your response, as well as in previous communications, you continue to claim that Midland Credit Management sent me notices regarding the alleged debt. As I have stated repeatedlyand as you, XXXX, continue to overlookthe address to which you claim these notices were sent was not my address in XX/XX/year>. I have emphasized this multiple times, yet you have failed to comprehend or acknowledge this fact. 

Because the address in question was not mine during the stated time period, Midland Credit did not provide me with the due diligence necessary to address or resolve the debt. Despite this, Midland and XXXX XXXX proceeded to report the accounts to my credit file, without offering me a fair opportunity to discuss or dispute the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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