vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$28.00} XXXX XXXXXXXX - Account Number : XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} XXXX XXXX BANK - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} FXXXX XXXX BANK - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX BANK - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Following companies, Equifax, XXXX XXXX XXXX XXXX XXXX are in possession of my stolen credit card ( XXXX XXXX XXXX ) personal social security account information, absent my knowledge, consent and/or agreement ( XXXX XXXX XXXX XXXX. I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax, et al, has failed and/or refused to implement a block. I have also demanded specific verifications : ( XXXX ) Any insurance claims ; ( XXXX ) chain of title ;, i.e. I have also forwarded cease and desist/verification to reporting affliates which have gone unanswered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX ( XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was financed by ALLY Bank, XXXX XXXX XXXX, XXXX, MD XXXX. 
The agreement # XXXX for {$28000.00} via a monthly payment of {$390.00} for XXXX  months. I have not missed a payment since the date of this agreement. Yet in XXXX ALLY filed a document with the IRS indicating that this vehicle had been written off for {$12000.00}. The IRS charged me with an overpayment on my taxes for the aforementioned write-off and they are demanding payment from me for this total charge on XX/XX/XXXX. I called Ally ( XXXX ) and they admitted that I had not missed a payment on the account but they would not agree to sending the IRS documentation to correct this error. The case number is # XXXX. Please help because I can not afford to pay this tax penalty. I think that Ally should pay the penalty since they made the mistake to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
b'This credit summary doesnt convey my true financial security.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
On XX/XX/scrub> 2025, I deposited XXXX workers compensation checks into my SoFi Bank account : {$100.00} {$550.00} {$1100.00} {$1100.00} These checks were accepted by SoFi and showed as deposited, but the funds were never made available to me. Shortly after, SoFi froze my account, claiming there was a fraud investigation.

Since then, I have contacted SoFis security team multiple times. They refuse to explain why my account was frozen, what violation I am being accused of, how long the investigation will take, or when I will receive my funds. They are withholding my money and not giving me any written explanation of their actions.

I want a written explanation of why SoFi froze my account, what rule or violation they believe occurred, and when my funds will be released. These are legitimate workers compensation checks, and I need access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: VA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy and constitutes identity theft.

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 2025-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Recently got scammed for XXXX and i complained to the bank and never got my money back. Imagine getting scammed and being told you authorized the payments when thats not true. I need a reinvestigation this time using real logic. They didnt handle my case properly i strongly believe or they would have seen Ip addresses of charges, and so on. m currently using Bank of America and XXXX sad to say any large amount they will not give your money back!

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 2025-08-29 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: FL

Complaint narrative:
My account with XXXX XXXX XXXXXXXX CARD, XXXX, XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX 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. 

XXXX XXXX, XXXX CARD, XXXX, XXXX XXXXXXXX, 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 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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
I purchased XXXX Pixel phones from the XXXX XXXX under a promotion that clearly advertised a {$800.00} discount per line when activating with XXXX XXXX. The promotion terms mentioned " XXXX promotion per user or per line member. '' Based on this wording, I expected that each new line added to my family plan would qualify for the {$800.00} credit. 

However, XXXX refused to honor this. They claimed that in order to receive the promotion for each line, I should have created separate XXXX accounts and purchased the devices separately. This requirement was never disclosed in the promotion description. 

As a result : I received the {$800.00} benefit only on the first phone. 

The other XXXX phones, purchased under the exact same promotion, were denied the promised benefit. 

XXXX support confirmed the limitation but could not provide a valid explanation why this condition ( " separate accounts '' ) was not mentioned anywhere in the offer. 


This is a clear case of misleading advertising and unfair business practice. XXXX induced customers to make large purchases based on terms that were not transparent, and then denied the promised benefits.

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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Dear CFPB Representative, I am filing a complaint against OneMain Financial regarding inaccurate and misleading reporting on my credit file. 

Account Details : Creditor : OneMain Financial Date Opened : XX/XX/XXXX Last Active : XX/XX/XXXX Balance/Past Due Reported : {$13000.00} ( incorrect ) Summary of Issues : This account has been reporting inaccurately every month since XX/XX/XXXX, through XX/XX/XXXX, showing repeated delinquencies and inflated past-due balances. 

My vehicle, which was tied to this loan, was repossessed and sold, yet no documentation of the sale or credit for the sale proceeds has been reported. 

Despite the repossession, OneMain continues to report a past-due amount of {$13000.00}, which is not accurate. The proceeds from the sale of the vehicle should have significantly reduced or satisfied this debt. 

My credit reports are showing late payments for XXXX consecutive months and a reported delinquency maximum of {$12000.00} as of XX/XX/XXXX, which I believe to be false and misleading. 

Why This is Harmful : This inaccurate reporting has severely impacted my creditworthiness for over XXXX years, preventing me from accessing fair credit opportunities. I believe this constitutes unfair, deceptive, and abusive reporting practices in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Requested Resolution : I request that the CFPB investigate OneMain XXXX reporting practices regarding this account. 

I request that OneMain be required to provide documentation of the vehicle repossession, sale, and application of sale proceeds toward the outstanding loan balance. 

I request the removal or correction of the inaccurate delinquency and past-due balances from all credit bureaus ( Experian, Equifax, TransUnion ) XXXX 

I request that any false negative reporting from XX/XX/XXXX through XX/XX/XXXX be deleted from my credit file. 

This situation has caused me significant distress and financial harm. I respectfully ask the CFPB to intervene and hold OneMain Financial accountable for these misleading practices. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-29 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: GA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-08-29 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: PA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. XXXX, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. XXXX, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX CARD - XX/XX/XXXX XXXXXXXX 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 CARD XXXX XXXX XXXX XXXX  - XX/XX/XXXX As outlined in 15 U.S.C. XXXX, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-08-29 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches 15 U.S.C. XXXXb, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-29 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: NY

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

Company response to consumer: Closed with non-monetary relief