vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has severely harmed my credit and score. Despite assurances from a representative that these inquiries would be removed, they persist. This negligence is unacceptable and indicates potential identity theft, causing ongoing emotional and financial damage.

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 2025-10-27 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 hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CT

Complaint narrative:
I have had an account with SoFi bank since the beginning of XXXX. They seemed to have great interest rates on savings accounts with great investing options. I had no issues with them until XX/XX/2025, when my account was deemed restricted. I called immediately upon being notified of the restriction and asked why it was restricted. They responded that the XXXX team needed time to go over the details of my account to get to the bottom of the situation. I thought that was weird, but okay, they needed a bit of time. The next time I called, on XX/XX/XXXX, I was told the same thing as the first time I called. I'm really busy working and taking classes for my paralegal certificate so I didn't have time to call again on XX/XX/2025, and was told the same thing for the third time. I asked to speak to their manager, who told me I could not speak to the security team 's department as there was no direct line. 
Fast forward to today, XX/XX/2025, I called their customer service line again and was given the same lack of information again. I asked again to speak to their security team and was actually connected to them. I asked the same questions regarding why my account is restricted and when I can close the account to get my funds, and was given the same answers previously given to me. I was given the answer that sometimes these things just take time, but it has now been six weeks without answers, and my funds are still in limbo. 
This is a very irritating situation, and I share it so no one else goes through it, and hopefully filing this description will nudge SoFi in the right direction to give my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent dispute letter to experian on XX/XX/year>. They have not responded. I have uploaded a copy of the document

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I ordered merchandise thru XXXX XX/XX/XXXX. Unbeknown to me, XXXX operates thru something called XXXX. XXXX XXXX was the company. I reached out to XXXX XXXX twice XX/XX/XXXX and XX/XX/XXXX about returning their merchandise and to get a return address. NO RESPONSE. Order # XXXX. I than reached out to XXXX about XXXX to XXXX times XXXX, XXXX and XXXX. I did get a response that they would reach out to the company. I received and email from XXXX trust on XXXX asking for additional Information which of course did not help at all. When I did not get information on returning the merchandise, I decided to dispute it with Wells Fargo XXXX  credit card dispute # XXXX. The dispute was submitted either XXXX or XXXX thru online banking. Thinking this will be a simple process. I provided all of the above information. The fact is that this company never provided where this merchandise could be returned. I spoke to someone at Wells Fargo XX/XX/XXXX, received e-mail that the merchant had 30 days to respond. on XX/XX/XXXX another e-mail from Wells Fargo indicating I was given a temporary credit and will now take up to 60 days to complete. Than on XX/XX/XXXX another e-mail from Wells Fargo indicating merchant contacted - 2nd attempt. On XX/XX/XXXX Wells Fargo sent this useless XXXX page letter indicating per the merchant the merchandise was never returned. How could I when the company never provided an address. I hope this helps me get this XXXX credited to my credit card. It is amazing that customer have to go thru hoops to get help from there card 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 monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I took a loan from Willowlake Lend and they did not tell me disclose their APR to me. They have continued to take unauthorized payments from my account, I borrowed {$3000.00} and have already paid back over {$5000.00} and they are now telling me their APR is 500 % and that I will owe them {$15000.00} total. That is absurd, they are predatory lenders and are practicing illegal activity. When I was informed this I looked them up and multiple people have reported the same situation.

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 2025-10-27 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: NM

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
On or around XXXX, 2025, I received a notice from XXXX XXXX XXXX claiming that I owed a debt under account number XXXX. I immediately requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including the full chain of assignment and bills of sale proving ownership of the alleged debt. To date, the company has failed to provide proper verification or documentation. 

Based on my understanding, this debt was previously securitized and sold, meaning XXXX XXXX XXXX has no lawful ownership or right to collect on it. Despite my request, they have continued to report or attempt to collect this debt, which violates 15 U.S. Code 1692g and my rights under 15 U.S. Code 1679c.

I am requesting that all collection activity cease immediately, and that this account be removed from my credit report due to lack of valid documentation and improper debt ownership.

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 2025-10-27 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:
On or around XXXX, 2025, I received a notice from XXXX XXXX XXXX claiming that I owed a debt under account number XXXX. I immediately requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), including the full chain of assignment and bills of sale proving ownership of the alleged debt. To date, the company has failed to provide proper verification or documentation. 

Based on my understanding, this debt was previously securitized and sold, meaning XXXX XXXX XXXX has no lawful ownership or right to collect on it. Despite my request, they have continued to report or attempt to collect this debt, which violates 15 U.S. Code 1692g and my rights under 15 U.S. Code 1679c.

I am requesting that all collection activity cease immediately, and that this account be removed from my credit report due to lack of valid documentation and improper debt ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX/ XXXX has a account that is mine and I have disputed this to get it deleted and it dosent cone off and experian keeps saying it comes back as 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 2025-10-27 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 am unfamiliar with these accounts and believe they result from fraud. Kindly investigate and remove them from my credit history. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX I applied for a chase business  credit card that was sent to my business email. I have XXXX personal credit and XXXX business credit cards with XXXX XXXX at the moment. I am also a personal credit customer with chase. I applied for a business credit card and was denied after a serious run around. They asked for documents which I sent and then they asked me to come in the bank to verify which I did. I was still denied and not considered for reconsideration.The process was also drawn out and I have XXXX XXXX  inquirys for XXXX application when they could have just denied the first XXXX so that XXXX XXXX feel I have been discriminated against because of my race and would like help In a lawsuit or information how to go about suing chase for discrimination. I have XXXXXXXX XXXX  In credit cards perfect payment history and a great job I XXXX have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 
As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Money that wasnt there was supposed to been refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: IN

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Identity theft fraudulent Bank of America account. I never opened or authorized any Bank of America account. I discovered it in XX/XX/year> through XXXX  and XXXX XXXX. I filed an FTC Identity Theft Report # XXXX ( filed XX/XX/year> ) and provided my passport ID and proof of address. 

Bank of America later sent me a denial letter dated XX/XX/year> ( Claim/Case IDs XXXX / XXXX ) verifying ownership even though I had already proven identity theft. 

This violates the Fair Credit Reporting Act ( FCRA 605B and 623 ). Once an identity-theft report is submitted, the bank must block, delete, and stop reporting the fraudulent account. 

I am demanding that Bank of America immediately : Permanently delete and block this fraudulent account from all consumer reporting agencies ( XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX ). 
Provide copies of all documents used to open or verify the account ( application, ID, IP/device logs, XXXX  records ). 
Confirm in writing within 15 days that the account has been removed and no data remains.

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 2025-10-27 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 am formally requesting the removal of the referenced accounts, which were not opened by me. As they appear fraudulent, I request both deletion and investigation. Proof is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-10-27 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-27 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: DE

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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