vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
Subject : SoFi wrongfully denied my unauthorized debit-card dispute Description of the Problem : I am filing a complaint because SoFi denied my dispute for unauthorized debit card transactions totaling over {$2000.00} that were made on XXXX XXXX  XXXX an account that is not mine, not in my name, and was created and used by someone else without my authorization. 

I reported the transactions to SoFi as soon as I discovered them. I explained clearly that : I never created an XXXX XXXX  account I never authorized these transactions Someone else used my card information The sportsbook account used is not under my name I provided information showing that the individual who did this even admitted to making/using the account Despite all this, SoFi denied my dispute and claimed that because I use other sportsbooks, that somehow means I authorized these specific fraudulent transactions. This reasoning is improper and does not follow the requirements of the Electronic Funds Transfer Act ( EFTA ). Determining whether I authorized these charges has nothing to do with whether I have used other unrelated apps in the past. 

SoFi did not provide any investigation documents, did not provide the evidence they used to deny my claim, and did not explain how they concluded I authorized transactions on an account that is not mine. 

I believe SoFi failed to conduct a reasonable investigation and denied my dispute based on irrelevant information. They ignored the fact that the XXXX XXXX account is not mine, and they ignored evidence that someone else used my card. 

What I Want : A full re-investigation by SoFi Reversal/refund of all unauthorized transactions A written explanation of how they determined authorization Documentation of their original investigation ( reason code, notes, findings ) Confirmation that I am not financially responsible for fraud committed by someone else Why I Need CFPB Help : SoFi will not reopen or properly investigate the dispute even though the transactions clearly were not authorized by me and were used on an account that does not belong to me. I am requesting CFPB assistance to make sure SoFi follows federal regulations and completes a fair investigation. 

Thank you for your time and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
For the past couple of months ( XXXX / XX/XX/year> ) I have been trying to setup an Experian user account and their system keeps failing. 
I have tried from my PC and from my XXXX- no success. 
I have researched online about others having issues creating an Experian account and this is a very common issue for others. ( In addition, setting this up with XXXX XXXX XXXX is seamless and easy. ) I have tried calling Experian XXXX for several weeks for help including today - XX/XX/XXXX and their phone system is of no help. The call robot basically tells me to go to their website. And this exactly where I am not having success. Below are the steps I take when using my XXXX ( doing this from my Personal Computer results in similar issues ). 
In addition, I sent a USPS letter to Experian asking for help. 
I have also sent an email to XXXX for help. 
So far, no help. The bottomline is that I want to setup a user account with Experian and need them to help, as their process does not work. 

Process I follow from my XXXX to setup an account : 1. Open Experian app. 
2. Click on Join now for free.

3. Enter last 4 of SSN and my phone number.

4. Click on Get Started.

5. Text message is sent to my phone.

6. Click on Experian verify link.

7. Receive Youre all set message and a box to click on Open this page in Experian.

8. Click on Open.

9. Receive a Technical Difficulties message that states : Either you lost your internet connection or were experiencing technical difficulties. Please try again later. 

My internet connection is fine. 
Please help me - thanks. 
Thanks.

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 2025-11-18 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-18 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX I received a notice from Innovative Recovery that I owed - XXXX XXXXXXXX XXXX {$8000.00}. 
XXXX XXXX XXXXXXXX  I requested proof that the debt was mine as I did not recognize the account. 
XXXX XXXXXXXX Innovative recovery sent me a bill from my previous employer for a vendor that was used by the company for temporary labor services. I replied that the debt was not mine and the bill was clearly for the XXXX XXXX XXXX XXXX operated by XXXX XXXX I also noted that the only future contact I would need regarding the matter would be for them to notify me the debt was incorrectly being collected from me. 
XXXX XXXXXXXX This debt has been listed on my credit report with XXXX. I disputed the debt with XXXX  and the dispute was denied and remains on my credit report. 

I was never personally responsible for any bills from the XXXX XXXX XXXX XXXX nor was I able to open accounts. Invoices were sent to me so that they could be sent to the company 's accounting department for payment. 

I have had no follow up from Innovative Recovery in regards to removing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
lam fling this complaint because my credit report contains multiple inaccurate and unauthorized items that the eredit bureaus have failed to correct. 
There are several negative accounts and hard inquiries that I did not authorize or that are being I have disputed these items but they continue to vithout proper verification. 
Unauthorized inquiries on my credit file include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I did not apply for credit or give permission to any of these companies to access my credit report. These inquiries are harming my credit score and violate the Fair Credit Reporting Act which requires a permissible purpose before a credit report can be accessed. 

There are also inaccurate negative accounts on my report including XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX account was fully settled on XXXX XXXX XXXX  but it is still reporting an incorrect balance and negative information. The XXXX XXXX late payment being reported is not accurate or verified. XXXX XXXX XXXX  is reporting incorrect or outdated information as well. These accounts are incomplete, inaccurate, or unverifiable.

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 2025-11-18 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: NY

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within XXXX ( XXXX ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-11-18 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:
I am writing to formally dispute the following accounts on my Equifax credit report. These accounts are listed as charged off, and I believe they are inaccurate, incomplete, or improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that these accounts be thoroughly investigated and corrected. If any of these accounts can not be verified or substantiated, I request their removal from my credit report. 

XXXX XXXX | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$2300.00} XXXX XXXX XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$0.00} XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX | Account XXXX XXXX XXXX | Date Open : XX/XX/XXXX | Balance : {$0.00} XXXX  | Account # XXXX XXXX | Date Open : XX/XX/XXXX | Balance : {$1000.00} XXXX XXXX XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$330.00} XXXX  | Account # : XXXX | Date Open : XX/XX/XXXX | Balance : {$270.00} Inquiries The following inquiries were made on my credit report. I request that these inquiries be verified for their accuracy. If they do not comply with the FCRA or can not be substantiated, I request they be removed. 

XXXX | Date : XX/XX/XXXXXXXX XXXX | Date : XX/XX/XXXX XXXX | Date : XX/XX/XXXX Late Payments The following accounts are showing late payments that I believe may be inaccurately reported. I request that these late payments be reviewed for accuracy, and if any discrepancies are found, they should be corrected or removed. 

XXXX XXXX | Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  | Account # : XXXXXXXX XXXX  | Account # : XXXXXXXX XXXX | Account # : XXXX XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
XXXX XXXX card # XXXX fraudulent charge activites at the end of XX/XX/year>, i called the credit card and advised them i did not make that payment and or purchase. they said they can not even talk to me about the account because my information is not what they have in their system. they did not have my phone number, email, or physical address so it was evident the account was jacked, they say they will have to talk to another department to confirm my information as i told them how can not they see that from the beginning it was another address and email and now is the different one, they said they will contact me via mail and they have not, i have not access to my online account because again my login info does not match their. i want to cancel this account, i do not want anything to do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: World Acceptance Corporation
State: CO

Complaint narrative:
World acceptance company opened a fraud account in my name I filed a police report and advised them this is a fraud loan I never took out any loans and have never heard of this company my identity was stolen and they refuse to remove the fraud loan from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 submitting this formal complaint regarding multiple inaccurate items that are being reported on my credit file. These inaccuracies are causing significant harm to my creditworthiness and must be addressed immediately. I have attempted to resolve these issues with the credit bureaus and furnishers, but the accounts continue to be reported incorrectly. 

Below are the disputed items : XXXX XXXX CO Account XXXX XXXX High Balance : {$350.00} Date Opened : XX/XX/XXXX Reported Status : Charge Off I have no knowledge of this account, have never opened any account with this creditor, and did not authorize any transactions. This is an unauthorized and inaccurate account, and its reporting as a charge-off is causing substantial harm. I am requesting a full investigation and complete deletion of this fraudulent account from my credit file. 

XXXX XXXX XXXX XXXX Hard Inquiry Dated XX/XX/XXXX This inquiry was not authorized by me. I did not apply for credit with XXXX XXXX on or around this date. Unauthorized inquiries violate my consumer rights and negatively impact my credit score. I request the immediate removal of this unauthorized inquiry.

These inaccurate entries violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : The duty to ensure maximum possible accuracy of consumer information ( 15 U.S.C. 1681e ( b ) ) The duty to properly investigate disputed information ( 15 U.S.C. 1681i ) I am requesting the CFPB to intervene and ensure that all parties involved fulfill their legal obligations by properly investigating and correcting these inaccuracies. 

Requested Resolution : Immediate removal of the unauthorized XXXX XXXX CO charge-off account Immediate removal of the unauthorized XXXXXXXX XXXX inquiry Written confirmation once the corrections have been made Thank you for your prompt attention to this matter. I am prepared to provide any additional documentation if needed.

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