vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IA

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 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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.

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 2025-06-24 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain inaccurate information on my credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and identified several negative entries that I know are incorrect and damaging to my credit profile. Which Also do not belong to me, I have disputed and submitted documentation numerous time supporting and notifying you of identity theft. The following accounts do not belong to me nor have I gave permission to anyone to open these accounts in my name XXXX XXXX - {$180.00} / XX/XX/XXXX, XXXX XXXX- {$810.00} / XX/XX/XXXX, XXXX- {$1600.00}/ XX/XX/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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute certain inaccurate information on my credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). I recently reviewed my credit report and identified several negative entries that I know are incorrect and damaging to my credit profile. Which Also do not belong to me, I have disputed and submitted documentation numerous time supporting and notifying you of identity theft. The following accounts do not belong to me nor have I gave permission to anyone to open these accounts in my name XXXX XXXX - {$180.00} / XX/XX/XXXX, XXXX XXXX- {$810.00} / XX/XX/XXXX, XXXX- {$1600.00}/ XX/XX/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 2025-06-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 explanation
Consumer complaint received 2025-06-24 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX, I was leaving a convention for the day, and walking to the subway, when I encountered several men. They claimed to be rappers looking for support for th2eir charity. I don't know what in me even was willing to listen to them in the first place, but I think I'm just soft hearted. 

As I agreed to a small donation and sent it to them on cash app, they didn't let me leave. What happened next was horrific, I was surrounded by more and more men, each forcing me to send money to them via XXXX XXXX. They ensured I was surrounded so no one else could see us ( or " for my privacy '' as they put it '' ). [ Included in my supporting documents are the transactions themselves. To multiple people in similar amounts within minutes of each other. What charity keeps asking for more after you've already agreed to pay? ] Before our XXXX minute encounter was over, I was out nearly a {$1000.00}. 

Naturally, as XXXX does in these situations, I immediately filed a claim with XXXX XXXX, as well as with Bank of America, which is where I keep much of my money. XXXX XXXX almost immediately denied my claim, as since it was technically authorized by me it could not be fraudulent, according to them. After XXXX and a half months, Bank of America has denied my claim also because clearly I authorized the transaction. No matter that I was under duress and at risk of physical harm. 

After this, I had to get a new credit card, which meant I was without a physically usable credit card for almost a week. 

I will admit I should have filed a police report at the time. The reality is, I was in shock. I suffer from XXXX XXXX so this meant a full on XXXX XXXX. Had I been thinking clearly, I would've done so. However, the immediacy in which I sought to file a fraud claim I hope displays how seriously I took this. 

While I can withstand the loss of money ( appx, {$960.00} ), it still stings and is still what I use to help pay my bills.

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 2025-06-24 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 reviewed my credit report today, just like I normally do, but this time I found some unexpected discrepancies. I even tried refreshing my browser, thinking it might be a temporary glitch, but that didnt change anything. The inaccurate accounts remained visible. Because of this, Im requesting a careful review of the documents I submitted to ensure I wont have to deal with this kind of issue again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered that multiple accounts have been fraudulently opened in my name. These accounts were not created with my permission and do not reflect any legitimate financial activity on my part. I am not responsible for any of the debt associated with them.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-06-24 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-24 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX Fl. XXXX .., while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-06-24 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: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX Fl. XXXX .., while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-06-24 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: TX

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 explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea where it came from. I regularly monitor my report, and seeing this out of nowhere was alarming. I even refreshed my browser hoping it was just a glitch, but the inquiry remained. I am incredibly frustrated and demand that the documents I submitted be reviewed thoroughly right away so I can stop worrying about this.

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 2025-06-24 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: NY

Complaint narrative:
I am formally disputing multiple violations found in my credit report under your agency. You continue to report inaccurate, unverifiable, and non-compliant data in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 Compliance Standards, and federal law.

Personal Information Disputes : Incorrect DOB : XXXX Incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Unauthorized Accounts/Collections Disputes : 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 Under 15 U.S.C. 1681b, no permissible purpose has been validated for these accounts. You are legally obligated to provide full documentation, including original applications bearing my wet or electronic signature. Your failure to do so constitutes willful noncompliance under FCRA 611, 607 ( b ), and Metro 2 Reporting Guidelines. These accounts are being reported without documented chain of custody or legal validation.

Your generic template responses violate 15 U.S.C. 1681i, which mandates that each dispute be properly investigated and handled based on specific merits. Continuing to disregard my disputes using form letter responses reflects intentional negligence and bad faith. 

If you can not produce verifiable, original documentation within the statutory timeline, you are required by law to permanently DELETE these accounts from my credit report. Any further failure to comply will result in immediate legal action under 15 U.S.C. 1681n and 1681o, which permit civil liability for willful and negligent non-compliance, including statutory damages, actual damages, and attorneys fees.

You are authorized to mail all investigation results, verification documents, and an updated credit report to my address. 

I expect your full compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I never received my bank debit card from Sofi.

I had my financial aid disbursement deposited into my SoFi prepaid account and when I went to look for my card after my deposit of over XXXX $ XXXX realized I never received one! 
All my funds were drained out. Withdrawal of XXXX $ and more. 
I did not make it allow anyone to purchase or make withdraws on my account. I file a dispute on XXXX it was denied the next day. 
I chatted with them and they reopened the dispute and once again denied in a day. 
Seems like they did not investigate. 
Every single transactions are not made by me. 
I have made a police report, filed a complaint with the F

edersl Trade Commission and placed a fraud alert through the 3 major Credit bureaus. I have reported the theft promptly and are taking steps to mitigate the damage.

I was told that investigators could take up to 90 days but yet they denied it in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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