vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/scrub>XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 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: Possible Financial Inc
State: TX

Complaint narrative:
I discovered multiple fraudulent accounts were opened in my name without my knowledge or consent. I did not authorize these accounts and do not recognize the companies listed on my credit report. The account was opened using my stolen personal information. My name, social and address were used.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I discovered multiple fraudulent accounts were opened in my name without my knowledge or consent. I did not authorize these accounts and do not recognize the companies listed on my credit report. The account was opened using my stolen personal information. My name, social and address were used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I rented XXXX XXXX XXXX in XX/XX/XXXX to XXXX. After leaving the houae clean and without damage I received notice that not only was i NOT getting my deposit back, but i was being charged additional charges of {$1700.00}. Had I known this would have happened i would have taken pictures when I moved in. Nobody did a walk thru with me, and I assumed they knew what was wrong or missing. Not sure how they ask for more if I paid a deposit and they took. Now it's been sent to Fair Collections for is reported negatively on my credit report. If you read their reviews on XXXX you can see this happens very often with this company. Thank you so much for your time!

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 2025-06-26 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Over the past eight months, I have been in consistent communication with multiple members of your team regarding my request for loan forbearance via phone. I repeatedly stated that I was seeking a pause in payments due to my enrollment in a service-based employment program, where my employer committed to paying off my student loan debt after a year of service. 
Despite my clear and repeated requests, I was unknowingly placed on a lower payment plan rather than granted the forbearance I explicitly asked for. I only became aware of this mistake after noticing a XXXX drop in my credit score due to delinquency reporting a result that blindsided me and directly contradicted the timeline I had discussed with your representatives.

When I immediately contacted Aidvantage for clarification, I was told the forbearance had never been processed and that there was nothing that could be done now that the delinquency had already been reported. This is a clear failure in handling customer communication and recordkeeping, especially given that I repeatedly requested a forbearance, and those calls ( which Ive requested ) have not been provided to me. 
To make matters worse, after fulfilling my obligation and paying off the full balance of my loan, my credit score was reduced another XXXX points due to a second delinquency report. I have now lost over XXXX points on my credit score because of Aidvantages error a loss that has had real-world consequences, including being denied a mortgage application for a new home I was scheduled to move into in just over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 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 2025-06-26 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: GA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXXXXXX XXXX XXXXXX/XX/year> Equifax Subject : Request for Verification of Account Under FCRA Dear Equifax I am writing to follow up on my recent dispute regarding the accuracy of an account listed on my credit report. Despite my previous communication, you have indicated that the account in question has been verified. However, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, to request further clarification and documentation regarding this verification process. 

XXXX XXXX XXXX XXXX In accordance with the FCRA, I hereby demand the following information : 1. Method of Verification : Please provide a detailed description of the method used to verify the accuracy of the account in question.

2. Data Furnisher Information : Kindly include the name, address, and contact information of the data furnisher who provided the information for this account. This will allow me to reach out directly for any additional inquiries.

3. Proof of Investigation : I request documentation that demonstrates the investigation you conducted in response to my dispute. This should include any relevant communications, notes, or findings that support the verification of the account. 

Please be advised that failure to provide the requested verification and documentation violates my rights under 15 USC 1681i and could further impact the accuracy of my credit report. I expect a prompt response to this request.

Thank you for your attention to this matter. I look forward to your swift reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-26 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: WI

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 2025-06-26 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: AR

Complaint narrative:
SoFi is requiring me to register for an external platform ( XXXX ) to access their dispute communication. This makes it unnecessarily difficult to review their position and further obstructs my rights to escalate the matter. I am requesting that SoFi provide a plain text or PDF copy of the final denial and indicate whether arbitration has been formally submitted or refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for unlawfully and without notice deleting a positive reporting tradeline from my credit report in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 
The tradeline in question is : Creditor : XXXX XXXX XXXX XXXXPartial Account Number : XXXX Opened : XXXX Type : Credit CardResponsibility : Authorized User This account was reporting positive history for over 6 years and was accurate and verifiable. I did not initiate any dispute or request for deletion of this tradeline. Despite this, Experian removed it from my credit file without cause, explanation, or notification. 
This action violates the following federal statutes : XXXX U.S.C. XXXX ( b ) : Experian failed to maintain reasonable procedures to assure maximum possible accuracy by deleting a verified, favorable tradeline without substantiation. 
XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Once an item is determined to be accurate and complete, it must be retained unless the data furnisher requests deletion or it is proven to be incorrect. Neither occurred. 
XXXX XXXX. XXXX ( a ) ( XXXX ) : Experian failed to notify me of the deletion, as required when a change is made to a consumer file as a result of a dispute. In this case, I made no dispute. 
This deletion has negatively impacted my credit standing by removing long-standing, positive credit history, thereby misrepresenting my credit profile. I have attached a copy of my credit report from Experian ( dated XX/XX/year> ), which shows the absence of the XXXX XXXX XXXX XXXX tradeline that had previously been present. 
I am requesting the Consumer Financial Protection Bureau to : Investigate Experian for noncompliance with the FCRA. 
Require Experian to immediately reinstate the XXXX XXXX XXXXXXXX XXXX tradeline to my credit file. 
Compel Experian to provide all documentation supporting the deletion, including any communication with the furnisher. 
XXXX failure to comply with federal law has caused material harm to my credit profile and standing. I request urgent regulatory intervention to ensure Experian corrects this unlawful deletion.

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 2025-06-26 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
As I was going through my credit profile there was an account and some hard inquiries that are not mine. Also, old addresses that are no longer valid.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On or near XX/XX/XXXX, I visited the local branch of PenFed Credit Union located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have been undergoing annual identity checks with this bank. They have repeatedly suspended my card and denied my bill payment due to their data tracking practices, which reveal personal and movement locations. 
On XX/XX/XXXX, I personally visited the bank and engaged in a conversation with XXXX XXXX, self-identifying myself for the eighth time. I presented my government-issued identification and accepted the advertisement for a new savings account. However, on XX/XX/XXXX, and XXXX, I was denied timely bill payment. 

This consistent behavior of PenFed Credit Union in creating provocations that lead to account control and the ritual of self-identification, despite being an online bank, is concerning. Throughout the country, they do not have physical walk-in branches. Sending identification documents, Social Security numbers, and bills does not guarantee the authenticity of the individual. Instead, their motives are to track and share this data with other agencies and their third parties. 

My credit report, as reported by PenFed, has declined from excellent to very good, and then to good. This is a result of their practices of holding my account and restricting my ability to make timely payments. I have already experienced over 11 instances of this issue this year alone. I have reported this issue to the credit reporting agencies and my relationship with the institution has suffered due to their corrupt practices. 

I am urgently requesting prompt action to rectify my credit reports, interest rates, and late payment history caused by this institution.

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