vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 as proof from the US 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 as proof from the US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> XXXX sent three separate deposit to my account the total amount was XXXX. On XX/XX/year> i withdrew {$10000.00}. Went to try and get the rest of the money of {$7900.00} out of account and bank of America closed my account saying it was fraudulent because the deposit came inmy uncle 's name since he is the applicant and I am the co applicant. XX/XX/XXXX got a letter stating they vrozethe money a different will not receive it. Otherwise same day I called and spoke to a supervisor who told me they would review the information and reach out to XXXX for more details as to see if I'm on the accounts a coapplicant. Called again on XX/XX/XXXX and spoke to another supervisor who is now saying the need to speak with my uncle who has XXXX and in a rehab at the moment. They are still not wanting to release my {$7900.00} to me XXXX waste help pay rent til XXXX and I can't pay my rent now due to the withholding of my funds. I have has several other deposits from femawith my uncle 's name on them which the accounts are now closed due to having real fraud on it. I just don't understand why they are giving me a problem getting my funds sent put ASAP. Please help me get my funds that are owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-01 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: NC

Complaint narrative:
I am a victim of identity theft. Never gave anyone permission or authorization to open this account without my 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 2025-09-01 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: NC

Complaint narrative:
I am a victim of identity theft. Never gave anyone permission or authorization to open this account without my 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 2025-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
I believe this pay day loan was pay back in never removed to my knowledge In I don't believe this was me cause in XXXX  I Was working in didn't need loans at that time I ask this XXXX be removed from my credit report please thank you it not good how people portray to help people they really trying use and get over on trying to humiliate people to make themselves look good

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I am submitting this complaint to request assistance regarding an issue with SoFi Bank. 

On XX/XX/year>, my husband 's small business deposited more than {$4000.00} into a SoFi account. The deposit AND the current balance was then was placed on hold, and I was told that the funds would not be available until XX/XX/year> due to an internal review. 

XXXX : XX/XX/year> : funds deposited, entire account balance placed on hold XX/XX/year> : XXXX and XXXX -- Husband calls and requests information about the hold ; is informed none can be given XX/XX/year> : XXXX -- SoFi rep calls XXXX ask for the name of the business and a contact. number for the business owner ; husband gives both to the representative XX/XX/year> : I contact SoFi through chat, am told to call the customer service number XX/XX/year> : I call the customer service number ; unable to get more information, ask for escalation multiple times ; transferred to a supervisor who says she can see what the issue is but can't tell me due to policy ; I ask for the policy but she says she does not know the policy In summary, my concerns are as follows : Excessive Hold Period This is a delay of more than 17 business days, which appears to exceed the maximum allowable hold periods under Regulation CC.

Lack of Access to Information I have repeatedly requested contact information for the internal team conducting the review but have been denied.

I asked for access to recorded calls documenting my case but was told this is not possible.

I requested that SoFi cite the specific policy or regulation that justifies the hold, but representatives have not been able to do so.

I have asked for contact information for anyone who might be able to answer questions about the hold but have been denied.

Denial of Escalation Despite asking to escalate this issue to a compliance officer or executive, I have been blocked from doing so.

I would greatly appreciate the CFPBs assistance in investigating this matter and ensuring that SoFi complies with applicable laws regarding funds availability and customer communication. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TX

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.

15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-09-01 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: TX

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.

15 U.S.C 1681 section 602 A. States I 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$91.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-09-01 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I received notification from USAA on XX/XX/year> that a new debit card had been mailed, since my existing XXXX XXXX was due to expire in XXXX. On XX/XX/year>, while my wife and I were both at work, USAA sent a notification that my new debit card has been activated and PIN changed. It had not been delivered to us in the mail yet, and we did not have possession of it. The card was then used to make a fraudulent {$580.00} ATM withdrawal from a XXXX XXXX Bank in XXXX, XXXX, followed by a fraudulent {$2700.00} purchase at XXXX XXXX in XXXX of XXXX, XXXX During that time, I was at work at XXXX XXXX XXXX XXXX  and my wife was at work in XXXX XXXX XXXX  XXXX I noticed the PIN change notice and fraudulent charges the morning of XX/XX/year>, and subsequently contacted USAA. The USAA representative stated their system reflected I had activated the new debit card the day prior via phone call, and that their system recognized and authenticated my phone number. However, as my XXXX call records show, I did not make any phone calls to USAA on XX/XX/XXXX, meaning someone likely spoofed my number. USAA froze my card, sent a replacement, and stated they would open an investigation to return the funds. They also stated they would reach out if they needed further information from me. During this time, I filed a police report with the local police department ( XXXX XXXX XXXX XXXX, since we live on a XXXX  XXXX  ), the XXXX XXXX XXXX, and the Federal Trade Commission 's XXXX. I was informed by the XXXX that there was an ongoing problem with mail theft, specifically targeting credit and debit cards mailed with XXXX to residential addresses on the military installation. On XX/XX/year>, USAA informed me that their investigation was complete, and that they were unable to recover the funds and therefore holding me financially responsible for the fraudulent {$580.00} ATM withdrawal and {$2700.00} XXXX XXXX purchase. Up to this point, I had not been contacted by any USAA investigator, nor had they requested I upload any information ( even though I had the police report, XXXX call logs, etc ready for to upload for their review ). Furthermore, when I asked the USAA representative if they could provide me a summary of what investigative actions they had performed, such as security camera footage to see who used my card fraudulently, or reviews of how my card was able to be activated, the USAA representative stated they did not have that information to share with me.

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 2025-09-01 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: CA

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
Consumer complaint received 2025-09-01 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
* * Issue Type : * * Incorrect information on your credit report * * Company You're Complaining About : * * XXXX  * * What Happened : * * > I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX. 
XXXX XXXX XXXX  is reporting a collection account from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX with a balance of XXXX XXXX XXXX {$290.00} XXXX XXXX listed as * * '' Open '' * * and * * '' Placed for collection '' * *, but also marked as * * '' Account information disputed by consumer '' * * ( duplicated in the remarks ). 
XXXX XXXX I have already disputed this information, and XXXX  continues to report it inaccurately. According to FCRA ( Fair Credit Reporting Act ), once a consumer disputes information, the credit bureau must verify the accuracy of the information or remove it. This account remains open and improperly verified without a resolution or validation of the debt. 
> > Attached is a screenshot showing that XXXX  continues to report the account as * * open * * and in * * collection * *, despite the dispute and lack of proper validation. 
XXXX XXXX Additionally, in XX/XX/year>, the CFPB fined * * \ {$13.00} XXXX * * against * * XXXX, XXXX, and TransUnion * * for failing to investigate consumer disputes properly and continuing to report incorrect information. This demonstrates a pattern of noncompliance with federal consumer protection laws. 
XXXX XXXX This is a violation of : > > * * * FCRA 611 ( 15 U.S.C. 1681i ) * * failure to investigate disputes.

> * * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * failure to maintain maximum possible accuracy.

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