vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: TN

Complaint narrative:
I disputed the XXXX XXXX XXXX account with Experian more than 45 days ago. I do not recall this account and identified reporting inaccuracies. While Experian lists the account as Paid, the payment history still shows negative late payments ( 30 and 60 days late ), which I dispute as inaccurate and misleading. This reporting negatively impacts my credit profile despite the account showing a XXXX balance. My dispute and supporting documents have not resulted in any meaningful correction or resolution from Experian.

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 2025-08-30 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:
To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ), and the Consumer Financial Protection Act ( UDAAP provisions ). The following accounts are reported inaccurately, causing financial and personal harm. I request immediate reinvestigation, correction, and deletion of all unverifiable data. 
Account : XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/year> Reported Issue : Charge-Off This account is listed as a charge-off despite showing a {$0.00} balance. Reporting a charge-off with no outstanding obligation is misleading, inaccurate, and violates the FCRA 607 ( b ) requirement that credit reporting agencies maintain maximum possible accuracy. The furnisher can not legally report a derogatory status when no balance is owed.

Story : I fulfilled my financial obligation with this account, yet it continues to reflect negatively as a charge-off. This creates the false impression that I defaulted on a financial responsibility, damaging my creditworthiness and limiting access to fair credit opportunities. This misrepresentation is harmful and deceptive, violating both FCRA 623 and the Consumer Financial Protection Acts prohibition against unfair, deceptive, or abusive acts or practices ( UDAAP ). I demand that this account either be updated to show positive closure with no derogatory marks or be removed entirely.

Conclusion Each of these accounts is reported inaccurately, violating multiple federal laws. These derogatory items are damaging my financial stability, employment opportunities, and access to fair credit. I demand immediate CFPB intervention, reinvestigation, and deletion of all unverifiable negative data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Im contacting to see if I could please get these past due fees reversed and if I can get cash advances fees and some interest fees revered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Transworld Systems is reporting a XXXX collection account ( Account XXXX ) as opened in XX/XX/year>. This is inaccurate. The original account was active in XXXX, and it should not be reported with a XXXX  open date. This appears to be re-aging the account, which is prohibited under the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be corrected to reflect the accurate dates or removed entirely from my credit report. I have attached documentation showing the original account timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
My accounts 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 to be removed/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. 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!

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
NOTICE OF IMPENDING LITIGATION AND SETTLEMENT DISCUSSIONS TO : SoFi Bank, XXXX. XXXX Management FROM : XXXX XXXX DATE : XXXX RE : Wrongful Account Closure and XXXX XXXX XXXX XXXX XXXX in Preparation XXXX SUMMARY This is not a routine dispute letter. I have retained legal counsel, and my case against SoFi Bank is now being prepared for litigation. The wrongful closure of my account and your false fraud allegationsnow disproven by government-issued evidencehave escalated into actionable claims. 
At this stage, XXXX should no longer be focused on correcting errors. The appropriate focus is on evaluating potential settlement terms before formal court proceedings are initiated. 
CRITICAL EVIDENCE ALREADY IN HAND XXXX Replacement Check # XXXX ( dated XX/XX/year>, {$400.00} ) Official XXXX Remittance Advice confirming replacement of Money Order # XXXX Original XXXX receipts, verification records, and water damage explanation This constitutes irrefutable government validation. The XXXX. XXXX XXXX issuing authorityhas confirmed and honored the very money orders you labeled as altered. 
Your continued insistence that these instruments were fraudulent is not only factually false but legally reckless. 
LEGAL EXPOSURE My claims under preparation include, but are not limited to : Defamation False fraud allegations, communicated internally and externally, constitute defamation per XXXX. 
Breach of XXXX of XXXX XXXX account closure and failure to conduct a reasonable investigation. 
XXXX Violations XXXX, XXXX in Banking XXXX, and other consumer protection laws. 
SETTLEMENT POSTURE With counsel engaged and litigation imminent, I am prepared to pursue damages in full, including : Recovery of lost funds and financial impact Compensation for reputational harm and distress Punitive damages for reckless disregard of clear evidence That said, I remain open to settlement discussions. Any resolution must include : Full reimbursement with damages Written retraction of fraud allegations Correction of all records ( internal and external ) CONCLUSION You are now on notice that litigation is actively being prepared. The evidence is conclusive, and your liability grows the longer you persist in maintaining false allegations. 
I strongly recommend this be escalated immediately to your litigation and settlement counsel for serious evaluation. 
You have XXXX final opportunity to resolve this matter privately before formal proceedings commence. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the fraudulent account that has been reported on my credit file. I never requested, opened, or authorized this account. Its reporting is a false reflection of my financial responsibility and is harmful to my record.

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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 2025-08-30 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: TN

Complaint narrative:
I ran my credit for a new car and learned of the negative items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: PA

Complaint narrative:
My credit report contains accounts that I did not open and never authorized. I was not notified about their addition, and I do not recognize their origin. These accounts are inaccurate and are being reported differently by each credit bureau.

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 2025-08-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Comerica
State: OH

Complaint narrative:
My names XXXX XXXX. I use XXXX XXXX  XXXX for my XXXX and social security benefits, I had to order a new card due to my old one breaking. I received my card 5 days ago, Ive tried every day to activate my card. I tried every option in the paper that the card came with. I have contacted customer service which clearly says toll free 24/7 customer service. I have sat on hold for 2 hours or more .. no one ever answers it will ring until it either hangs me up, or I just so aggravated after hours sitting on hold without help. Ive looked every way possible to contact them other ways and no help. I did get ahold of the reorder cards person, whom said she couldnt access my account and help me with my problem. All I want and need is to activate my card. Please help! Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: NJ

Complaint narrative:
Subject : Fourth and Final Dispute Formal Complaint Against Equifax for Inaccurate Reporting of XXXX XXXX XXXX XXXX Account To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this fourth and final dispute regarding the continued inaccurate, inconsistent, and unlawful reporting of the account listed below by Equifax. Despite multiple disputes, formal CFPB complaints, and the submission of an FTC Identity Theft Report ( Report No. XXXX ), Equifax has failed to comply with federal law and continues to report derogatory and unverifiable information. 

Disputed Account Details Creditor Name : XXXX  XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$37000.00} inconsistently reported across bureaus Date Opened : XX/XX/XXXX Last Active Date : XX/XX/XXXX ( Equifax ) Status : Closed / Derogatory / Collection / Charge-off XXXX  has already removed this account. Equifax is the only bureau still refusing to comply with the law. 

Inconsistencies and Failures by Equifax The account has been marked as Closed, yet still shows as Collection/Charge-off with a balance. 

Balance, dates, and statuses are inconsistent across bureaus, a direct violation of FCRA 1681e ( b ) requiring maximum possible accuracy.

Equifax claims this account was verified, yet : I was never provided with documentation showing what was verified.

No signed contract, billing statements, or proof of liability have ever been produced, violating FCRA 609 ( a ) ( 1 ) ( A ).

This verification was a false and misleading representation, as the account remains inaccurate.

This account should have been corrected or deleted from the very first round of investigation. Every subsequent round has proven Equifaxs ongoing negligence and willful noncompliance.

Legal Violations Equifaxs conduct violates multiple federal consumer protection laws, including : FCRA 1681i ( a ) : Failure to properly reinvestigate within 30 days.

FCRA 1681i ( a ) ( 5 ) : Failure to delete unverifiable information.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) ( A ) : Failure to provide physical verification through original documentation.

FCRA 1681s-2 : Furnisher continued to report inaccurate information after notification.

TILA ( 15 U.S.C. 1601 ) : Lack of clear, accurate, and transparent reporting of debt.

Human Impact This unlawful reporting has caused me : Denial of credit opportunities and housing.

Unjustified damage to my credit reputation. 

XXXX XXXX  and financial harm. 

I am not just a file number ; I am a consumer who has repeatedly provided evidence, only to be ignored. Equifaxs refusal to correct these errors while falsely claiming verification is a serious breach of trust and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
Equifax deducted XXXX points from my credit score for having an increased balance on one credit card of {$18.00}. This is a blatant disregard for proper credit score management and I do not agree with the decision. The credit bureaus are abusing their power to suppress consumers and this practice should be illegal. Please assist with my complaint and administer laws to prevent these types of abuse in the future. Let me know if legal counsel is recommended. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NY

Complaint narrative:
I have multiple unauthorized hard inquiries on my credit report and would request to get it removed from my credit file. 
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 2025-08-30 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: IL

Complaint narrative:
There are accounts listed on my credit report that I did not create, authorize, or approve. These are fraudulent in nature and should not be associated with me. The information being reported is also inconsistent across the different bureaus.

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 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal dispute of a fraudulent account reported under my name. I never applied for, opened, or managed this account. Its presence is a false representation of my financial activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES | HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-08-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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