vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit reporting, I am submitting this rebuttal to formally document that both Experian and TransUnion have refused to respond to my complaint through the CFPB process. I contacted each company directly and escalated the issue to my state Attorney Generals office. Despite these efforts, both companies declined to cooperate or investigate the matter.This complaint involves a failure to properly investigate an existing credit reporting issue, which may constitute a violation of the Fair Credit Reporting Act ( FCRA ). Their refusal to engage in any resolution process has caused ongoing harm and undermines consumer protections.I request that the CFPB flag this pattern of noncompliance for supervisory review and consider further regulatory action. I am also pursuing additional remedies through the FTC and legal channels. 

You believe the issue remains unresolved and harmful Request that CFPB flag this pattern for supervisory review.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$63000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I signed up with XXXX XXXX XXXX that uses a payment processor names XXXX. I spent {$9000.00} total for a done for you XXXX channel that should be posting videos on XXXX for me XXXX times a week. I started XX/XX/year> and the contract should have lasted for a year. The company did not start on my account until end of XXXX / early XXXX and they barely put up XXXX videos, the videos were low quality. XXXX employees confirmed they were a scam taking money and encouraged me to file a claim with my bank. They chose to take my money and do the bare minimum of work and barely any work they were never planning to help me with the XXXX channel. They removed me from XXXX and from the XXXX XXXX so I paid {$9000.00} with no XXXX XXXX. I paid roughly {$7200.00} through my debit card on the fanbasis payment portal and {$1800.00} XXXX chose to split that payment up through XXXX and I paid all XXXX payments through XXXX. I put in claims to my bank SoFi and that scam company paid me {$3300.00}, my {$4000.00} is still in dispute and the {$1800.00} SoFi denied. I am owed all of my money back for deceptive practices and this is clearly fraud. This company has a lot of other people all over the internet complaining how they are operating in fraud and have taken their money even more money that I have given. This is the second time SoFi has not protected me as a consumer and the only thing they did for the last incident was give me {$10.00} points that I cant and dont even know how to use. I spent my hard working money to create this business with XXXX XXXX XXXX and I have no business to show for it. He stole my money and breached contract. They are taking his side over mine and he is lying. As of today, I have no XXXX channel, no access to the service, and no refund. I signed the contract and put trust in this company to perform they did not perform even for the XXXX days that they guarantee or money back. 

Im requesting that SoFi re-open and reconsider my claim. That I be refunded the full {$1800.00} for services not provided. Along with the {$4000.00} thats still in dispute. That regulators review whether SoFi is adequately protecting consumers in cases of misrepresentation and failed service delivery. Because they did not protect me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company 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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Tilt Finance, Inc.
State: NV

Complaint narrative:
Today the XXXX of XXXX I recieved a XXXX charge of XXXX dollars in my checking account from a tilt account. I recently one month only opened a account with them with my email address used in my current info. 2 days ago I noticed duplicate subscription charges and duplicate deposit info and balances also auto save charges wre not being reflected that were withdrawn from my checking account at current. I reached out got a ticket number 2 days in a row with the response i would hear back in XXXX hrs. I did not I had to do it again today with the same response a ticket number and XXXX hr waiting notice I check my email and it said to use the email on file to respond to dispute. I asked them to verify there were no ther accounts open with my info linked to my bank both days I also was able to get support threw the account I use with the email I use linked to my bank I use the problem I'm having is in XXXX my cell phone was lost stolen I made a police report it was found a week later at the XXXX XXXX security but they has used my phone to access my XXXX XXXX XXXX account for XXXX dollars I got a new phone and new bank account the one I use currently. I did not open any tilt account with my old info but I believe they linked a fraudulent account opened with my new one and linked my info so now all XXXX  XXXX XXXX is now not and they are asking XXXX me to verify threw the fraudulent account .I have been charged XXXX dollars for XXXX dollars of approved fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XX/XX/year>, I paid for my XXXX purchase with Citi Card XXXX XXXX. I have XXXX issues : XXXX. The XXXX order I thought I was authorizing included a discount from a XXXX email " spend {$80.00} and receive {$40.00} off '' ( see " Promo Email '' ). It has fine print, which all of my items we not prohibited and the subtotal before taxes and fees was {$82.00} and {$2.00} fees. With the {$40.00} off, the transaction I thought I was authorizing was for {$44.00}. When I drove to the store, got the items at pickup, came home and opened my email, they did not take off the {$40.00}. I immediately tried to dispute it with XXXX on their chat, first but could not get a human to recognize its computer did not add correctly the prices that were available for me, the consumer, to see. I went through it multiple times and they kept saying the subtotal did not meet {$80.00} that it was only {$74.00} USD before taxes, fees and tips which was not true, it was {$82.00} plus {$2.00} in fees ( we don't have sales tax on food in PA ). I added it up multiple times ( See " XXXX  Order Receipt '' ). 

XXXX. At that point, the chat wasn't understanding and kept giving me the same response of my subtotal did not meet the terms of the promo offer. I know I did not authorize the full price of {$84.00}, there is no way I would have made this purchase at that amount, but after Citi reached out to XXXX, it says I did and Citi card sides with them. No one seems to care that the math of the items that was shown to me clearly shows it was {$82.00} ( meeting the {$80.00} ) and the {$40.00} applied to my order so I did not authorize {$84.00}, I only authorized {$44.00} ( see " XXXX XXXX '' ). 

XXXX. If the subtotal, according to XXXX was only {$74.00} as they told me in the chat over and over, then why was I charged {$82.00}? That is {$7.00} more on the subtotal than XXXX says I ordered. They either owe me {$7.00} or {$40.00}! Either way -- I was billed more than I owed. If they told Citi Card my subtotal was only {$74.00} and that is why Citi Card doesn't agree with my dispute, then that was wrong. My receipt shows a different amount than what XXXX told me and Citi Card and probably CFPB and the PA Attorney General where I also raised this too. Something wasn't accurate in their computer math even if they don't honor the promo email.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2017, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2017, Balance : {$5700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2017, Balance : {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2025, I submitted a formal dispute to TransUnion regarding inaccurate information on my credit report. More than 30 days have passed since my dispute was received, and I have not been provided with any results of a reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 
I recently received a notice from TransUnion stating that you will follow up within 60 days, after filing a complaint with the cfpb. This is not consistent with the law. The FCRA clearly requires that reinvestigations be completed within 30 days, with a maximum of 45 days only if additional documents are provided after the initial dispute. No such extension applies here. 
Your failure to provide results within the statutory period constitutes a violation of my rights under the FCRA. Accordingly, I demand the following : Immediate deletion of the disputed items due to your failure to timely verify them ; Written confirmation of deletion within 10 days ; and A complete copy of my updated credit file. 
If you fail to comply, I will pursue further action, including filing complaints with the FTC, and the Texas Attorney General, as well as considering a private right of action for statutory damages, attorneys fees, and costs. 
Please treat this matter with urgency. I expect a response within 10 days of receipt of this complaint. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief