vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
When reviewing my Equifax credit report, I noticed that XXXX XXXX XXXX XXXX ( Account : XXXX ) is being reported with a late payment dated XX/XX/year>. What makes this reporting inaccurate is that the account is simultaneously listed as having a past due amount of {$0.00}. By definition, if the past due amount is XXXX, there was no delinquency at the time in question. Yet Equifax continues to publish a derogatory late payment mark that directly contradicts the rest of the data being reported. 

This kind of conflicting information is not only misleading but unlawful under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure that information in consumer reports is accurate and not misleading. A late payment that is tied to a past due amount : {$0.00} is misleading because it suggests delinquency when in fact none existed.

The damage from this inaccuracy is not theoretical. Having a late payment notation on my file has caused real harm to my financial life. Late payments are among the most damaging pieces of information a credit bureau can report. Even a single misreported late payment can cause significant drops in credit scores, which in turn affect credit approvals, loan terms, and even housing opportunities. I have had to face awkward explanations with lenders who question why my report shows a delinquency on an account where the creditor itself reports no past due balance. The stress, wasted time, and reputational harm are real and ongoing.

Equifax has a duty under 15 U.S.C. 1681i to reinvestigate any disputed item and remove or correct it if it can not be verified with original creditor documentation. Unless Equifax can provide actual billing records from XXXX XXXX showing a legitimate past due balance at the time, this reporting is inaccurate and must be corrected. Anything short of that would be a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My joint account was charged {$99.00} on XX/XX/XXXX for a canceled subscription service with the company XXXX. The company attempted to charge multiple bank accounts linked to my husband 's XXXX account and was successful in using XXXX ( which was linked to my husband 's XXXX account ) to charge our joint account with Sofi Bank. My husband had previously canceled this yearly subscription through XXXX months ago ( this is the instruction given by the company XXXX ). The XXXX account currently shows that this subscription is canceled and not active with the last payment date of XX/XX/XXXX. On XX/XX/XXXX, my husband 's XXXX account was attempted to be charged approximately XXXX times and denied for this subscription to XXXX. However, on XX/XX/XXXX a payment was processed to XXXX through XXXX through XXXX. After this payment posted, my husband contacted Sofi Bank to dispute this charge. On XX/XX/XXXX, Sofi Bank credited our joint account back for this charge {$99.00}. On XX/XX/XXXX, Sofi Bank debited the {$99.00} from our joint account again stating that our dispute had been denied. On XX/XX/XXXX, the denied dispute was appealed by me and Sofi requested that I provide proof of the canceled subscription. The only proof of the cancelation is a screenshot from my husband 's XXXX account showing that the XXXX account is canceled which I provided to Sofi along with screenshots of the mutliple attempted payments and notice of inactive service. Now today XX/XX/XXXX, Sofi stated they have sent an email requesting more information which I did not receive. I am formally requesting that Sofi Bank credit my joint account back for {$99.00}. There is a disconnect between the company XXXX, XXXX and XXXX regarding canceled subscription services and my bank account should not be at the mercy of this disorganization and Sofi Bank is accountable for allowing an unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-09-30 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: PA

Complaint narrative:
Accounts : XXXX .. XXXX XXXX XXXX.. These hard inquiries accounts were not properly investigated According to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right. Thank 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 2025-09-30 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:
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 explanation
Consumer complaint received 2025-09-30 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

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 2025-09-30 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: FL

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-30 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Experian is reporting a National Credit Systems ( NCS ) collection for XXXX XXXX XXXX ( Acct # XXXX, {$5200.00} ). I never received a required debt-validation/dunning notice from NCS. The furnisher has provided no contract, no assignment, and no itemized accounting. Dates on the tradeline are inconsistent. I disputed with Experian ; this item is unverifiable and should be deleted immediately. 

XXXX & XXXX : I first discovered this collection on my Experian report around XX/XX/year>. 

The tradeline shows Opened : XX/XX/year> and a Balance Updated : XX/XX/year> with inconsistent status updated timing. 

I never received the written validation notice required within XXXX days of any initial communication. 

I submitted a written validation/deletion request to National Credit Systems and asked them to cease collection/furnishing unless validated. 

I also disputed with Experian and requested deletion under FCRA 611 because the furnisher has not validated the debt and the reported data is inconsistent.

Why this violates the law : 15 U.S.C. 1692g ( FDCPA ) : No proper validation/dunning notice was provided ; continuing to collect/furnish without validation is unfair/inaccurate.

FCRA 607 & 611 ( 15 U.S.C. 1681e & 1681i ) : Experian must follow reasonable procedures for maximum possible accuracy and delete information that can not be verified during reinvestigation. 

( I am in Texas ) XXXX XXXX XXXX XXXX. XXXX similarly prohibits collection/furnishing of unverified/inaccurate information. 

What Ive asked for already : From NCS : Provide ( 1 ) the signed lease/contract, ( 2 ) chain of assignment/authority , ( 3 ) a full itemized accounting of the {$5200.00}, ( 4 ) the date of first delinquency furnished to Experian, and ( 5 ) proof of any notices mailed ( with dates ). If they cant validate promptly, to request immediate deletion with Experian and confirm in writing. 

From Experian : Delete the account as unverifiable and correct my file. 

This inaccurate, unvalidated collection has lowered my score and is interfering with my ability to obtain credit/funding and housing. I am actively applying for credit and this is causing immediate financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
Received a letter stating I had been sent to collections for a phone through XXXX XXXX account from XXXX XXXX with acct number XXXX and reference number XXXX. I have never purchased a phone from them and when I tried to call them the phone either hung up after pushing the number they gave me, so I tried another number and it just left me on hold with a few times to go to their website, so I went to this website was talking to a man named XXXX who told me to fill out this form and then we were disconnected. So I am asking for you to handle this before XXXX XXXX. Please send me verification that you have received this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Re : XXXX Apparently, I used too many big words in my complaint listed above. 

I shall endeavor to use small words and simple sentences to avoid confusion. 

1. Sat XX/XX/year> I opened a new WFB checking account 2. Fri XX/XX/year> XXXX XXXX  I attempted a legitimate XXXX transfer for {$500.00}. 
3. Fri XX/XX/year> XXXX XXXX  Wells Fargo email : Your XXXX payment is under review ( second transfer attempt for {$500.00} ). 
4. Fri XX/XX/year> XXXX XXXX  Received a Phishing email ( branded as Wells Fargo ). The message contained an image that linked to a bad actor endpoint. 
5. Fri XX/XX/year> XXXX XXXX  Wells Fargo email : Your XXXX payment could not be completed ( second transfer attempt for {$500.00} ) On Fri XX/XX/year> between XXXX XXXX  and XXXX XXXX  my XXXX transaction executed in my WFB checking account and my personal email address were leaked from WFB controlled system ( s ) and disseminated to a malicious 3rd party. This information was then used in a Phishing email received ( branded as Wells Fargo ). The message contained an image that linked to a bad actor endpoint. 

This is a simple question and I demand a clear and unambiguous answer : The timing and specificity of the phishing emailarriving just over an hour after my XXXX transaction was flaggedstrongly suggest real-time access to event metadata. Wells Fargos response, while lengthy, is evasive. It recites my own timeline without addressing the core forensic question : How did a third party gain visibility into a live transaction and link it to my email address so quickly - less than XXXX minutes? 

The WFB response ( see attached document ) simply restates the facts that I cited in my original complaint. None of the questions I raised were even acknowledged much less answered.

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 2025-09-30 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-30 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that has been wrongfully reported in my credit file. This account does not belong to me and was opened without my knowledge or consent. I am a victim of identity theft, and I have already filed an Identity Theft Report through the Federal Trade Commission at XXXX. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit reports with all credit reporting agencies. Under federal law, once a consumer provides proof of identity theft, consumer reporting agencies are required to block the information within four ( 4 ) business days of receipt. 

Details of the Disputed Account : Creditor/Collection Agency : [ XXXX XXXX XXXX XXXX Account Number : N/A Reported Balance : [ XXXX ] Date Opened : [ XX/XX/year> ] This account was fraudulently opened and does not reflect any transaction or agreement I have made. I did not authorize this account, nor have I received any benefit from it. Therefore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), I demand that this account be : 1. Immediately blocked from my credit file with XXXX, XXXX, and XXXX. 
2. Permanently removed from all current and future credit reports.

3. Written confirmation provided to me that the account has been blocked and will not reappear. 

I am filing this complaint because a debt collector is attempting to collect a debt that I do not owe. The alleged debt is inaccurate and should not be reported under my name or Social Security number. 

I have never entered into an agreement for this account, and I dispute the validity of the debt. This appears to be a case of identity theft / account not belonging to me. Despite my dispute, the collector continues to pursue collection and/or report the account to credit bureaus, which is damaging my credit profile. 

I have requested verification of the debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), but the collector has failed to provide proper validation. I am requesting that this debt be investigated, that collection efforts stop, and that the account be removed from any credit reporting agencies where it has been reported. 

I am attaching supporting documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
After carefully reviewing my credit reports, I discovered multiple accounts that are being reported with late payments that are not accurate. These errors are serious because they damage my credit standing, misrepresent my payment history, and create the false impression that I have been irresponsible with my obligations when I have not. 

The following accounts are currently showing inaccurate late payment information : XXXX XXXX XXXX XXXX  Account No. XXXX XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXXXXXX Account No. XXXX XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX  Account No. XXXX In each of these cases, the reported delinquency is not supported by any valid billing statements or payment records. My right to an accurate billing history is protected under 15 U.S.C. 1666 and 1666b, and the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) requires that credit reporting agencies and furnishers conduct a reasonable reinvestigation whenever an item is disputed. Continuing to report these alleged late payments without being able to substantiate them with original billing records is a violation of my rights under federal law. 

The impact of these errors has been significant. I have faced higher interest rates, difficulty obtaining credit, and emotional distress from being treated as if I were financially reckless when, in fact, I have worked hard to maintain my accounts responsibly. It is extremely unfair and damaging to have my financial reputation tarnished by unverified, inaccurate information that should never have been reported in the first place.

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 2025-09-30 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: NC

Complaint narrative:
I am formally disputing the XXXX XXXX account currently being reported on my credit file. This account is * * inaccurate, unverifiable, and harmful * * to my creditworthiness. Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, you are legally obligated to conduct a proper reinvestigation and * * delete any account that can not be fully verified * *. 

Furthermore, continued reporting of this account without verifiable proof violates : * * * 15 U.S.C. 1681s-2 * *, which prohibits furnishers from providing inaccurate or unverifiable information.

* * * 15 U.S.C. 1681c * *, which bars the reporting of outdated or obsolete information.

* * * 15 U.S.C. 1681e ( b ) * *, which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

* * I demand the immediate and permanent deletion of the XXXX XXXX account from my credit report. * * If you fail to comply, I will pursue all legal remedies under * * 15 U.S.C. 1681n * *, including statutory damages, punitive damages, and attorneys fees.

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