vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
SoFi bank advertises that their bank partners with XXXX to transfer money from person to person. After opening the bank account and depositing {$500.00}, I was informed that direct deposit was required in order to use XXXX. There is no other option to override this. 

Since I do not receive direct deposit, I can not set up XXXX, and now have no access to the {$500.00} I just deposited until the debit card arrives in the mail. 

This is HIGHLY misleading and I never would have opened the account if this information were properly disclosed at the start. After reading reviews online, this is a common problem for a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from 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 non-monetary relief
Consumer complaint received 2025-10-31 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 would like to dispute the following charged-off account on my TransUnion credit report. I respectfully ask that you investigate the accuracy of this account, and if no documentation is available to support the information, I request its deletion. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$450.00}

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 2025-10-31 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: Zions Debt Holdings
State: TX

Complaint narrative:
I am a victim of identity theft. A personal line of credit account was fraudulently opened in my name without my knowledge or authorization. The account does not belong to me, and I have never applied for or used this account. Despite several written disputes and requests for verification, the company has failed to provide any supporting documentation proving that this account is valid or that I am responsible for it. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information on my credit report. I have repeatedly notified both the credit reporting agencies and the furnisher of this debt that the account is fraudulent, but it continues to appear on my credit file. The company has not provided a copy of any signed application or agreement showing I opened this account, verification of the alleged debt, any documentation linking me to this account beyond what appears to be computer-verified information. I have also requested removal of this account multiple times and cited my status as a victim of identity theft, but the company continues to report this account. These actions are damaging my credit standing and causing me financial harm. I am requesting the CFPB 's assistance in requiring the company to immediately delete this fraudulent account from my credit reports, provide verifiable documentation that proves I am responsible for this account, and cease all collection activity related to this account in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the FCRA. I am asking for CFPB enforcement to ensure this fraudulent account is investigated properly and permanently removed from my credit history. 

Fraudulent account information : XXXX  - date opened XX/XX/year> - account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$370.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
After reviewing my credit reports, I noticed that several accounts are being reported inaccurately and without proper verification. XXXX XXXX XXXX XXXX continues to report a charged-off account with a past-due balance, even though no lawful documentation or proof of default has been provided. The payment history on this account appears to have been re-aged, which makes the delinquency appear more recent than it actually is and violates the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX XXXX XXXX is reporting a late payment that has not been verified through billing statements or official records. These errors are misleading and negatively impact my creditworthiness. Furthermore, there are hard inquiries from XXXX XXXX XXXX  XXXX and XXXX XXXX that were made without my consent or permissible purpose under the FCRA. These inquiries were never authorized, and the companies have not provided any written proof of consent. All of these inaccuracies indicate that the furnishers and credit bureaus are not maintaining compliance with federal reporting standards, as required by the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-31 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:
After reviewing my credit reports, I noticed that several accounts are being reported inaccurately and without proper verification. XXXX XXXX XXXX XXXX continues to report a charged-off account with a past-due balance, even though no lawful documentation or proof of default has been provided. The payment history on this account appears to have been re-aged, which makes the delinquency appear more recent than it actually is and violates the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX XXXX XXXX is reporting a late payment that has not been verified through billing statements or official records. These errors are misleading and negatively impact my creditworthiness. Furthermore, there are hard inquiries from XXXX XXXX XXXX  XXXX and XXXX XXXX that were made without my consent or permissible purpose under the FCRA. These inquiries were never authorized, and the companies have not provided any written proof of consent. All of these inaccuracies indicate that the furnishers and credit bureaus are not maintaining compliance with federal reporting standards, as required by the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MI

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 2025-10-31 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
As XX/XX/year>, chase didn't refund me the {$30.00} they was supposed to post on my account as they say on a letter they send me on XX/XX/year> I have a complaint number XXXX. Is there a reason for that? 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Personal line of credit was opened with Santander Bank on XX/XX/XXXX for a credit limit of {$5000.00}. I requested a payoff quote I believe on XX/XX/XXXX that payoff quote was provided. However it was inaccurate and there was less than a XXXX  amount Remaining Santander proceeded to charge late fees to the tune of {$50.00} each month unless than a dollar and the account was supposed to be paid off and closed. I disputed this claim with the bank and they moved it to charge off at {$150.00} balance with over {$150.00} of that being late fees that they charge to the account Its been on my credit report now for many years potentially reducing my score by XXXX points I reached out to them mentioning that I filed a complaint with the CFPB a number of times and no action has been taken

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 2025-10-31 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: 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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 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 have no ownership of these accounts ; they must be cleared within 15 days as required by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Employer - RETIRED Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-31 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I respectfully ask that Equifax review the following disputed items. I believe these accounts are being reported incorrectly and request a thorough investigation to verify their accuracy. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Late Payment Accounts : XXXX Card Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
Dear XXXX, I am writing to dispute the following items on my credit report. I believe these entries are inaccurate and request that you conduct a detailed review. 
Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX, Balance : {$310.00} Late Payments : XXXX, Account Number : 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 non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
On XXXX XXXX XXXX, I sent 2 emails stating that I Did Not consent to a 3rd payment within 1 single month. Sent a 3rd email the morning of XX/XX/year> and still no response. I the customer have the right under protected Federal Laws to agree to only twice a month, not 3 times a month. This company have violated federal laws since I did not consent to this payment being processed as stated in my emails. This company continues to ignore customers. Thousands upon Thousands of complaints from other customers. Utah laws does not under zero circumstance trump federal laws that customers are protected under. I am sick and tired of repeating the same exact thing, and I will hold this company liable for any emotional damages, financial burdens that they have put upon the customer and his family. My Attorneys have already explained the consequences to this company for NOT abiding by my requests.

Company response to consumer: Closed with explanation