vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As I am working toward homeownership, I began reviewing my credit report on XX/XX/year>. I noticed a concerning XXXX account and requested an investigation. XXXX responded by claiming the account was verified, but despite numerous requests and submitting proof of my identity multiple times ( both online and by mail ). I have never received valid documentation proving the debt is mine or accurate. 

Additionally, I have observed that the credit bureaus are reporting this XXXX account as open and charged off, while also showing it as XXXX days late, then XXXX days late, and so on, each month, as if it continues to accrue new delinquencies even after being charged off. This appears to be abusive and misleading financial reporting. If it's not illegal to continue to open and close accounts without consumer knowledge, it should be. 

This situation has had a devastating impact on my credit and is preventing me from moving forward with important life goals. Please investigate this matter thoroughly and assist in correcting or removing this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
As I am working toward homeownership, I began reviewing my credit report on XX/XX/year>. I noticed a concerning XXXX account and requested an investigation. XXXX responded by claiming the account was verified, but despite numerous requests and submitting proof of my identity multiple times ( both online and by mail ). I have never received valid documentation proving the debt is mine or accurate. 

Additionally, I have observed that the credit bureaus are reporting this XXXX account as open and charged off, while also showing it as XXXX days late, then XXXX days late, and so on, each month, as if it continues to accrue new delinquencies even after being charged off. This appears to be abusive and misleading financial reporting. If it's not illegal to continue to open and close accounts without consumer knowledge, it should be. 

This situation has had a devastating impact on my credit and is preventing me from moving forward with important life goals. Please investigate this matter thoroughly and assist in correcting or removing this inaccurate information.

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 2025-06-22 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: OR

Complaint narrative:
USC 1681S-2 ( B ) PRIVATE RIGHT OF ACTION MY CREDIT REPORT MUST BE ACCURATE AND COMPLETE - COMPLETENESS AND FULL ACCURANCY AND MUST BE REVIEWED BY AND LAW BIDING HUMAN IN THE FRAUD DEPARTMENT I DIDNT AUTHORIZE MY CREDIT TO BE LOOKED INTO AND CHECKED OUT CEASE AND DESIST OF FALSE REPORTING I HAVE A FEDERAL TRADEMARK ON MY NAME THIS IS CLEAR VIOLATION XX/XX/year> XXXX PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANTS : EQUIFAX, EXPERIAN, TRANSUNION POLICE REPORT NUMBER : XXXX FTC REPORT:XXXX CEASE AND DESIST OF FRAUD REPORTING ATTN : TRANSUNION, EQUIFAX, EXPERIAN title and trade violation> ACCORDANCE TO TITLE 15 USC ( a b 1 2 3 4 ), USC6803 ( a 1 2 3b ), USC 1681b, USC 1681S-1-2 USC 1681a2 , USC 1692g , USC 1681 ( e b ), USC 1681 ( 2x I ), USC 1666b billing error 12 CFR 1026.13, USC 1681 YOUR COMPANY IS IN VIOLATION OF ALL THE ABOVE CONSUMER LAWS SWAL I DIDNT GIVE CONSENT I DIDNT AUTHORIZE MY CREDITTTT TO BE LOOKED INTO OR CHECKED OUT TO HAVE THIS FRAUD PRIVATE UNAUTHORIZED ALLEGED ACCOUNT TO BE FURNISHED IT READ : XXXX XXXX  XXXX I DIDNT SIGN ANY ANY DISCLOSURE FORMS OR GAVE PErMISSIBLe PURPOSE TO THIS ALLEGED DEBT TBED I dont even know who this company is and if this alleged DEBT WAS MINE XXXX DOSEDNT EVEN HAVE LICENSE TO COLLECT ON DEBT IN OHIO, DELETE THE ALLEGED ABOVE ACCOUNT IMMEDIATELY THIS HAS CAUSED HARM IF NOT DELETED I WILL MOVE TO LITIGATION IM SERIOUS ABOUT MY LIFE I WILL SUE IN FEDERAL COURT I know your company didnt investigate the above alleged acct if you did you would know that XXXX doesnt even HAVE LICENSING TO COLLECT ON ANY COMMERCIAL ACCOUNTS AT ALL I HAVE NO BUSINESS WITH THIS COMPAN .DELETE NOW SINCEreLY, DELETE IN RECEIPT AFFIANT : XXXX : XXXX. Living WOman far from being dead Beneficiary OF PLAINTIFF XXXX XXXX XXXX not the TRUSTEE UCC1-308 WITHOUT PREJUDICE WITHOUT RECOURSE STOP PLAYING WITH MY PERSON ESTATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp did not recover funds revoked by fraudulent business even though proof was provided of no goods

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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 am writing this complaint against Transunion, Experian, and Equifax for violation I do believe to be the Fair Credit Reporting Act and several other consumer protection laws. There are several accounts listed on my consumer report that have late payments. It is my belief that neither company have any proof that these payments were late. 

XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX. ) XXXX XXXX XXXX & XXXX Account # XXXX XXXX. ) XXXX XXXX FINANCIAL DBA Account # XXXX XXXX. ) XXXX XXXX Account # : XXXX XXXX. ) XXXX XXXX XXXX & XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX 15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2025-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX the company name. XXXXI was notified by TransUnion that I had a new hard inquiry on my credit report from this company, which I didnt know about until I got the notification.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-06-22 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:
Between XXXX and early XXXX, I maintained an average daily balance of approximately {$2100.00} across my revolving credit accounts. Due to the suppressed credit offers and artificially inflated interest rates, I paid an estimated {$1100.00} more in interest than I reasonably should have. Additionally, I incurred {$750.00} worth of administrative time and follow-up costs, including time spent reviewing inaccurate data, preparing complaints, and attempting to resolve the issue through multiple channels. 

In XXXX, I ceased using my credit cards altogether due to the financial hardship caused by high-interest charges yet Experians reporting other Credit Reporting Agencies remained uncorrected. 

This matter has materially affected my credit access and financial standing. I request timely resolution, with all findings delivered in writing. I reserve the right to seek further remedy.

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 2025-06-22 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: TX

Complaint narrative:
Between XXXX and early XXXX, I maintained an average daily balance of approximately {$2100.00} across my revolving credit accounts. Due to the suppressed credit offers and artificially inflated interest rates, I paid an estimated {$1100.00} more in interest than I reasonably should have. Additionally, I incurred {$750.00} worth of administrative time and follow-up costs, including time spent reviewing inaccurate data, preparing complaints, and attempting to resolve the issue through multiple channels. 

In XXXX, I ceased using my credit cards altogether due to the financial hardship caused by high-interest charges yet XXXX  reporting other Credit Reporting Agencies

remained uncorrected. This matter has materially affected my credit access and financial standing. I request timely resolution, with all findings delivered in writing. I reserve the right to seek further remedy.

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Between XXXX and early XXXX, I maintained an average daily balance of approximately {$2100.00} across my revolving credit accounts. Due to the suppressed credit offers and artificially inflated interest rates, I paid an estimated {$1100.00} more in interest than I reasonably should have. Additionally, I incurred {$750.00} worth of administrative time and follow-up costs, including time spent reviewing inaccurate data, preparing complaints, and attempting to resolve the issue through multiple channels. 

In XXXX, I ceased using my credit cards altogether due to the financial hardship caused by high-interest charges yet XXXX  reporting other XXXX XXXX XXXX XXXX XXXX. 

This matter has materially affected my credit access and financial standing. I request timely resolution, with all findings delivered in writing. I reserve the right to seek further remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: AL

Complaint narrative:
This reporting agency is reporting unauthorized accounts that are the result of identity theft which is a violation of 15 USC 1681c-2.

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 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX : * -- XXXX XX/XX/year> Discover Card RE : Request for Debt Validation To Whom It May Concern : I am writing to formally request validation of an alleged debt, as provided under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : The amount of the alleged debt, including an itemization of interest, fees, payments, and credits. 

The name of the original creditor and documentation showing that I am legally obligated to pay. 

A copy of any judgment, if applicable. 

Proof that you are authorized to collect debts in my state. 

A copy of the original contract or agreement bearing my signature. 

Until you provide the requested validation, I request that you cease all collection activities, including reporting to any credit reporting agencies. If the debt has already been reported, please notify the agencies that I dispute this debt. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
The early warning system and other agencies are selling my personal securities without my consent they are also using trickery to get merchants to act like I can qualify for loans and cars in my situation that work with my bad credit and the possibilities of getting these loans and cards are way in you favor that you can be approved needless to say I didnt get none of them and here the kicker I get denied and then the agencies drop my credit score even lower then what it was that sound like some bogus situation they lied maid me feel like I had a chance and the double whopped me with one shot dont they have a name for their actions then they put information on your repot with out asking can they do so .and the information isnt even confirmed some of the merchants I contacted and they said to me they dont have no log or nothing in there data with my name in it and others said they havent even updated my account cause it was over XXXX years old thats still being reported now I have my repot and its still on there but none of the merchants that so called reported about me said once we have come to the end of service we dont repot to the agencies it nothing to give. Them so my question then lead to if yall not doing it how is they dont know and wish they could help but they got a job to do so that was that would that be called XXXX .. EXtORTIOn FRAUD WITHOUT RECOURSE WITHOUT prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Kikoff Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I submitted an application for a Kikoff Credit Account. Shortly after, I received a message stating that my identity verification had failed and that I would not be allowed to reapply. I contacted Kikoff 's customer service and escalated the matter to a supervisor. However, I was told that they could not disclose the reason for the denial and reiterated that I would not be eligible to apply again in the future.

I checked my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX  ), and there is no record of either a soft or hard inquiry by Kikoff. Despite this, the company now retains sensitive personal information including my name, address, and Social Security number.

Kikoffs website claims that they do not share personal information with third parties, yet it also lists multiple affiliates, raising serious concerns about data privacy and transparency. No written notice or official copy of an agreement was sent to my email, nor was I provided a clear reason for the denial as required under federal consumer protection laws.

I intended to use Kikoffs service to build my credit, but this experience has raised significant red flags. It appears that Kikoff collects sensitive consumer data without offering any meaningful service or due process in return. I believe this practice is deceptive and potentially harmful. 

I am requesting that this issue be formally investigated. If necessary, I will pursue legal remedies, including filing a complaint with the California XXXX Attorney XXXX XXXX to consider whether Kikoff should be permitted to operate in the state under these circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I noticed the following interest charge on my XXXX XXXX XXXX XXXX. 
XX/XX/XXXX INTEREST ADJ - PREV CYCLE PURCHASES XXXX The problem is I paid my previous month statement in full so I should not be charged interest. 

I have attached my billing statements from XXXX and XX/XX/XXXX. As you can see I paid my XX/XX/XXXX bill in full.

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 2025-06-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I filed a dispute with SoFi Bank for a {$990.00} debit card transaction that occurred on XX/XX/year>. XXXX acknowledged receipt of my dispute, but more than XXXX business days have passed without a final resolution or a provisional credit being issued, as required under Regulation E ( 12 CFR 1005.11 ).

SoFi sent a message stating that this type of dispute doesnt qualify for a provisional credit, but they did not explain why or cite any specific exception under Regulation E. I contacted the merchant ( XXXX  ), and they informed me that they can not issue a refund because SoFi already filed a chargeback on my behalf.

This means : 1. SoFi has either already recovered my funds and is improperly withholding them from me, 2. Or they initiated the chargeback and failed to issue a provisional credit during the ongoing investigation, 3. Or they lost the chargeback but did not notify me in writing, as required within 3 business days of completing their investigation.

In all scenarios, I am currently left without access to my {$990.00} and with no clear explanation or legal justification from SoFi. I requested clarification regarding their decision to deny provisional credit and asked which exception under Regulation E applied, but they never responded with a valid explanation.

I submitted this dispute well within the 60-day timeline, cooperated fully, and met all eligibility requirements for provisional credit. I am now requesting the CFPBs help to ensure my rights are honored and that my funds are returned immediately.

Pictures explained : 1. Image 1 SoFi Dispute Acknowledgment ( XX/XX/year> ) Confirms that SoFi received and began investigating the {$990.00} debit card dispute filed on XX/XX/XXXX for a XX/XX/XXXX transaction. This shows the dispute was submitted well within the 60-day Regulation E timeframe.

2. Image 2 SoFi Denial of Provisional Credit SoFi states the dispute doesnt qualify for a provisional credit but provides no legal justification or reference to Regulation E exceptions. This supports your claim that SoFi is withholding funds improperly and did not follow the rules under 12 CFR 1005.11.

3. Image 3 XXXX  Missing Package Investigation Notice XXXX explains they could not locate the package and began a formal internal investigation. This shows that you also tried to resolve the matter with the merchant directly, indicating you acted in good faith to recover your funds outside the bank.

4. Image 4 XXXX  Chargeback Confirmation ( XX/XX/year> ) XXXX confirms they can not issue a refund because SoFi ( your bank ) already filed a chargeback. This means SoFi either already recovered your funds or is in the process but you still have not received the money, reinforcing that SoFis inaction is leaving you without a refund from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed inaccurate information with Equifax on XX/XX/year>, XX/XX/year>, and XX/XX/year> under confirmation numbers XXXX, XXXX, and XXXX. Equifaxs portal stated the reinvestigations were completed, but they refused to provide downloadable results or mail them. I am requesting the full reinvestigation results and method of verification, including the name and contact of each furnisher. Under FCRA 1681i ( a ) ( 6 ) and ( 7 ), I am legally entitled to this information. Equifax has failed to comply and is obstructing my ability to verify or challenge the disputed data. 
XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXXXXXX XXXX account # XXXX

Company response to consumer: Closed with non-monetary relief