vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
My account with DEPTEDXXXX, AND XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in to be removed. 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. XXXXNELNET, AND XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: SC

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 2025-08-01 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 am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-01 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: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ACCOUNT NAME:XXXX XXXXXXXX XXXX  XXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT NAME:XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX ACCOUNT NAME:XXXX XXXXXXXX XXXX  XXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT NAME:XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: CO

Complaint narrative:
I opened a Netspend checking account on XXXX XX/XX/year> from the banks homepage that was advertising a {$200.00} bonus if I met the following two conditions : 1 ) Activate Debit Card 2 ) Direct Deposit {$400.00} or more The promotion terms said my account would be credited with the {$200.00} bonus 5 business days after all requirements were complete. I first had a direct deposit made to the checking account on XXXX XX/XX/year> ( {$400.00} was deposited from my employer ) and I subsequently activated my debit card on receipt of it on or around the XXXX of XXXX. Five business days after that would have been XXXX XX/XX/year> however I did not receive the promotional bonus as given in the terms. 

I sent a message to the bank on XXXX XX/XX/year> recapping how I had met all bonus requirements and the bank responded that I was correct and had met all the terms but asked me to email a separate customer service email address and to include a mention of where I found the promotion from and to include a screenshot of it if possible. I sent the requested followup email to the customer service email and received a response that the issue had been escalated to a supervisor and to wait 5 more business days for a response. 

I feel I'm being jerked around by the bank- it was a simple promotion with simple terms that were met, the bank appears to be delaying and trying to not pay out as promised.

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 2025-08-01 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 am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
This letter serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), that you are to cease all communication with me regarding the alleged debt you claim I owe.

Under 15 U.S. Code 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or that they wish the debt collector to cease further communication, the collector must cease communication with the consumer except to : 1. Advise that further efforts are being terminated, 2. Notify the consumer that the debt collector or creditor may invoke specified remedies, or XXXX. Notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
I do not admit to owing this alleged debt. You are hereby instructed to cease all contact with me immediately, including but not limited to phone calls, letters, emails, or contact through any other means. 
If you continue to contact me after receipt of this letter for any reason other than the exceptions listed in the statute, you will be in violation of federal law, and I will not hesitate to report your conduct to the Consumer Financial Protection Bureau ( CFPB ) and/or pursue appropriate legal remedies. 
Please confirm in writing that you have received this notice and that all communication has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is a company named XXXX XXXX XXXX showing up on all 3 major bureau reports for me. They claim it is for a rental debt I owe. The collector has refused 3 times now to provide verification that I owe this debt.

This is a violation of : 15 USC 1681e ( b ) - For failing to follow reasonable procedures to ensure the maximum possible accuracy of the information you report. 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) - For failing to provide me, the consumer, with a description of the method used to verify the accuracy and completeness of this information, including the name, address, and telephone number of any furnisher contacted. 

As such, the account needs to be removed from all XXXX agencies it is reporting to. The FTC will receive a copy of the same. 

Further, how can you all be certain no information on my reports belongs to XXXX XXXX? You just sent him XXXX ( XXXX ) letters ( see attached ). 

Again, my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I opened my SoFi Checking & Savings account in XX/XX/XXXX. When SoFi introduced XXXX to all customers in XX/XX/XXXX, I immediately tried to enroll the mobile number and e-mail already listed on my profile. From that first attemptand on every attempt sincethe SoFi app has displayed only the pop-up : Unable to verify your identity. For your protection, this feature is unavailable. Please try again later. Despite dozens of retries over the past fourteen months, the error never changes. 

Each time I reach a live representative ( which is difficult, because the system routes most inquiries through chatbots ) I am told that my account is ineligible for XXXX and that front-line agents do not have clearance to see the underlying reason code. They also refuse to escalate my case to anyone with the authority to review or override the block. The most recent example is ticket # XXXX, opened by phone on XXXX XX/XX/XXXX ; two days later I received a boiler-plate e-mail that the ticket was resolved, with no explanation or follow-up. On XXXX XX/XX/XXXX I arranged a three-way call with XXXX  consumer-support team, who confirmed my phone and e-mail are not linked to any other bank and asked SoFi to lift the restriction. SoFi still refused, repeating that they could not access the reason code. XXXX only suggestion was to use another bank, but I chose SoFi precisely because it advertises XXXX as a standard feature. 

I have done everything within my power to resolve the issue. I removed my identifiers from my previous bank ( XXXX ) in XXXX ; XXXX support verifies they are clear. All personal detailslegal name, address, date of birth, Social Security number, and mobile numberare correct in the SoFi app and match my drivers licence. I have offered to provide photo ID and proof of address, yet SoFi declines, insisting that the system decision is final. Meanwhile, I am unable to receive family payments through XXXX, and SoFi continues to promote a service it will not deliver to me or explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX  - XXXXXXXX XXXX XXXXXXXX, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy XXXX that XXXX do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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