vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
Dear XXXX, I am writing to dispute several items on my credit report. These items are inaccurate, incomplete, or have not been reported correctly. Below is a breakdown of the accounts in dispute, separated by bureau : CHARGED OFF : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$450.00} LATE PAYMENTS : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I open an account with citi bank and transfer funds from my other account to citi bank via XXXX .. the transfer amount in total is XXXX. The transfer when through and two weeks after the transfer they decide to close the account.. I call and some with someone who state that the money with be send to me via check after 60 days.I waited the 60 days and no check when I called they said that there is no money for me to receive. Its be place in subledger account. And I dont have any funds to received..

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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) 602A, 604, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), 623 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) regarding multiple inaccurate, unverified, and unauthorized accounts and inquiries being reported on my credit report. These items are either fraudulent, unauthorized, or reported incorrectly, causing significant damage to my credit profile. I demand immediate investigation, deletion, or correction, and full documentation of any verification used to report these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$530.00} Charged Off Issue : I do not recognize this account nor did I authorize any transaction leading to a charge-off. This is unverified and must be removed under FCRA 611 and 623 ( b ) NCA 414862 * * Date Opened : XX/XX/XXXX Balance Owed : {$670.00} Collection Issue : I do not owe this debt, I was never notified, and this appears to be a duplicate entry intended to damage my credit profile. Under FCRA 607 ( b ) and FDCPA 807, duplicate and inaccurate collection entries must be deleted XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Collection Issue : I have no knowledge of this account. This debt is unverified, unauthorized, and must be deleted under FCRA 605B and 611. Reporting this account without proper verification is a violation and damaging my credit XXXX XXXX  Date Opened : XX/XX/XXXX Inquiries Issue : This inquiry was not authorized by me. Unlawful inquiries violate FCRA 604 and cause credit damage. Delete immediately XXXX Date Opened : XX/XX/XXXX Inquiries Issue : Unauthorized inquiry. No consumer consent exists. Must be deleted under FCRA 604 XXXX XXXX  Date Opened : XX/XX/XXXX Inquiries Issue : Unauthorized inquiry appearing twice. Both entries are illegal, violate FCRA 604, and must be deleted immediately I request the CFPB to intervene and ensure that these items are properly reinvestigated, verified, and corrected or deleted as required by law. I expect full documentation of any verification process, the identity of the verifier, and supporting documents. Failure to comply constitutes a violation of FCRA 607 ( b ), 611, 623 and FDCPA 807 ( 8 ).

Please confirm receipt of this complaint and provide updates regarding the resolution. I also request that you communicate directly with the reporting bureaus to ensure compliance with federal 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 non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: NV

Complaint narrative:
We received a text message for debt collection today, XX/XX/year> at XXXX XXXX from Diversified. I replied to the text message asking them to cease and desist all communication to us through any medium. At XXXX XXXX, Diversified then sends us an email, ignoring our request to cease communication. These events have caused me great annoyance, and I have wasted time continuing to reply to their correspondence and drafting this complaint. I am intending on filing a lawsuit against Diversified for blatantly defying the request to cease and desist communication in accordance with the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
These accounts are being reported under my name even though they do not belong to me and are clearly mixed with someone elses credit information. I have never authorized, opened, or been associated with any of these accounts. Their appearance on my report is completely unacceptable and creates a false and misleading picture of my financial history, causing me serious concern.

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 2025-12-01 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:
Several months ago, I identified multiple fraudulent and unauthorized accounts reporting on my consumer credit file. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I submitted formal disputes to the credit bureau and requested proper validationspecifically, the original signed contracts or any documentation demonstrating that I authorized these accounts. This information is necessary for me to determine who is using my identity and to ensure the fraudulent data is removed. 

Per the FCRA, the bureau is required to conduct a reasonable investigation, provide the method of verification, and identify the furnisher or representative they contacted. Despite submitting my written dispute and FTC Identity Theft Report over XXXX months ago, I have not received the original contracts, the method of verification, or any evidence of a legitimate investigation. The fraudulent accounts remain on my credit file with no explanation or documentation supporting their continued reporting. 

I am requesting CFPB assistance to ensure the credit bureau complies with its obligations under the FCRA by removing the fraudulent information, providing the required verification details, and correcting my consumer file as mandated by 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 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several items on my credit report across the XXXX major credit bureaus. Below, I have provided a detailed list of the accounts in question, separated by each credit bureau. I am requesting a thorough investigation and correction of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 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 2025-12-01 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: GA

Complaint narrative:
I am reviewing my Equifax credit report and I am disputing the following items because they may be inaccurate, incomplete, or unverifiable. I request that Equifax conduct a thorough investigation under the FCRA to ensure the accuracy of all information. 

INQUIRIES ODE, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries appear to be unauthorized. Please verify the permissible purpose for each inquiry or remove them if they were not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts listed on my credit reports. I request that the following accounts be investigated and corrected as necessary : Charged Off Accounts 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 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 2025-12-01 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. Please see below for the details of each account in dispute, separated by credit bureau. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
XX/XX/XXXX, someone hacked into my joint SoFi account I share with my husband. They should not have been able to do this as I have XXXX factor authentication set up and I never received any kind of notice anyone was trying to log in. They transferred money from my savings to my checking account, and then transferred {$2400.00} out of my checking account into an external XXXX account they set up in my husbands name. We didnt know about the XXXX account until several days later when we received a debit card in his name in the mail. 

I immediately called SoFi when I received a notification from my banking app that a transfer had been initiated. I made a report with my local police department and they advised we are the victims of identity theft, so I made additional reports with the FTC and FBI. My husband contacted XXXX to request a hold harmless letter and provide the police report information. We both put fraud alerts on our credit reports and made sure our credit is frozen. 

On XX/XX/XXXX I still had not heard back from SoFi regarding getting my money back. I called them and within a couple of hours I received a vague email about their denial of my decision with NO supporting documentation. I emailed them XXXX times about this with no response. I requested their supporting documentation and received nothing. 

On XX/XX/XXXX, I called them again to have them reopen my claim. 

Ultimately, I did nothing wrong and SoFi did not protect my account the way they are supposed to with XXXX factor authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AL

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

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit. 

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-12-01 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: NC

Complaint narrative:
Accounts in Dispute 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 XXXXXX/XX/XXXX {$1200.00} Statement : Several of these accounts may be outdated, unverifiable, or inaccurately reported. I request a full reinvestigation to ensure complete accuracy or deletion if not verifiable. 

Inquiries ( No disputed inquiries reported for Experian. ) Late Payments XXXX XXXX XXXX XXXX Statement : Experian is reporting XXXX or more late payments on this XXXX XXXX account that I do not recognize. I request verification, including documentation from the creditor confirming the date and status of the alleged late payment. If this can not be verified, it must be removed per FCRA 611 ( a ) ( 5 ).

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-12-01 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:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: TX

Complaint narrative:
The following accounts are being reported inaccurately and have not been verified properly by the credit reporting agencies. Despite prior disputes, the information remains incorrect, and these accounts are negatively impacting my credit. 

Accounts in question include XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Bank, XXXX XXXX XXXX, and Self/Lead Bank XXXX The reported balances, dates, and status do not match the records I have. I have previously disputed these accounts with the bureaus, but they were verified without proper investigation. 

I am requesting that the CFPB communicate with the credit reporting agencies and furnishers to conduct a proper reinvestigation, provide detailed verification procedures, and ensure deletion of any information that can not be confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MO

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief