vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., by Experian, XXXX, Equifax, and several data furnishers. 

A XXXX XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) is being reported inaccurately on my Experian credit file. This account is accurately marked as closed and in good standing on both Equifax and XXXX  reports. However, Experian continues to report this account with a derogatory status, creating inconsistency and factual inaccuracies across credit reporting agencies. This inconsistency violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates that furnishers must report only accurate and complete information. Additionally, Experian 's continued reporting of derogatory status after being provided evidence of inaccuracy constitutes willful noncompliance under FCRA 1681n.

I demand the immediate deletion of this XXXX XXXX account from my Experian credit report, .Experian is also reporting unauthorized hard inquiries that were conducted without my knowledge, consent, permissible purpose, or written authorization as required under FCRA 604 ( a ) ( 3 ). The following inquiries are inaccurate and have caused me financial harm and privacy violations : 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/year> These inquiries were made without permissible purpose under FCRA 604, and Experian has failed to properly verify their legitimacy despite disputes. I request the immediate and permanent removal of these unauthorized hard inquiries from my Experian credit report.

3. XXXX  and Equifax - XXXX XXXX Reporting Error : A XXXX XXXX XXXX account ( Account # : XXXX XXXX XXXX ) is being inaccurately reported as a charged-off account with a {$0.00} balance on both XXXX  and Equifax. This is factually inconsistent, misleading, and unverifiable. Furthermore, this account is not reporting at all on Experian, indicating significant inconsistency among the credit bureaus and a failure by the furnisher to ensure uniform and accurate reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Additionally, per IRS Publication 4681, any canceled debt of {$600.00} or more should be accompanied by Form 1099-C. No such documentation has been provided to me, making the charged-off reporting both misleading and unsupported. 

Requested Action : I demand deletion of this XXXX XXXX account from XXXX  and Equifax reports, or accurate correction backed by verifiable documentation including a valid 1099-C Supporting Documentation : I am attaching the following documentation to support my claims : FTC Identity Theft Report Current credit reports from Experian, Equifax, and XXXX  showing the discrepancies Previous dispute letters

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Synovus Bank
State: RI

Complaint narrative:
I disputed inaccurate credit reporting by First Progress regarding a fee waiver by First Progress in XXXX  for XXXX to XXXX which i pay per year, and i was granted this as long as my card has no balance the stated this when i called them, and they made it clear to call them to make sure this was all set which i did, i think it was XXXX cents fee at this time, so i was granted this. I had gotten my monthly statement and saw that in spite of this they said it was a delinquent payment, severely damaging my credit I submitted disputes through XXXX, and XXXX  and directly with First Progress, along my call records and documents confirming the waiver : Despite these efforts, the error remains on my credit report. My credit score has dropped from nearly XXXX to XXXX, blocking housing applications and undoing years of rebuilding post-divorce. My previous CFPB complaint was closed with feedback provided, but no resolution occurred. I am requesting enforcement action for a full reinvestigation and correction across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
On XXXX SoFi decided to mark my accounts restricted and block access to all of my {$40000.00} worth of money.

As far as I can tell by reading on the internet, this was probably triggered by trying to purchase some cryptocurrency on coinbase.com, an account I've been using for years and not using for any fraudulent purposes.

When I called they company, they told me that I had " violated the customer agreement '' or some BS, but would not provide me with any details about how I had violated it. They also told me that they would be closing my account " very soon '' without any specific timeline. Upon researching this online I found many personal accounts of people having their funds held XXXX for XXXX weeks to 5 months with XXXX explanation from SoFi.

As far as I can tell, SoFi is illegally holding my funds. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WESTERN ALLIANCE BANCORPORATION
State: GA

Complaint narrative:
RETURN MY MONEY!!! WESTERN ALLIANCE BANK IS WITHHOLDING MY FUNDS IN A SAVINGS ACCOUNT I OPENED A FEW MONTHS AGO! 
THEY HAVE ALL MY PROPER INFORMATION, EVEN SENT EXTRA REQUESTED DOCUMENTS THROUGH XXXX! THEY REFUSE TO DO AN EXTERNAL TRANSFER TO AN EXISTING BANK ACCOUNT. I HAVE GIVEN ALL INFORMATION ON SECURE EMAIL AT THEIR BANK. THEY FINALLY INITIATED A TRANSFER WITH THE INCORRECT CLOSED ACCOUNT THAT I SENT THE MONEY FROM! I INFORMED THEN IN WRITING AND ON THE PHONE THAT THEY NEEDED THE MM ACCOUNT NUMBER, NOT THE CLOSED HYS ACCT NUMBER! THEY REFUSE TO LET ME PUT IN THE CORRECT ACCOUNT NUMBER TO TRANSFER MY MONEY!! I SENT THEM A RECENT BANK STATEMENT OF THE ACCOUNT THROUGH XXXX AS WELL! THEY STILL REFUSE TO SEND MY FUNDS AS OF RIGHT NOW a PHONE CALL AT XXXX a.m. ON XX/XX/year>. NEVER HAVE I HAD ANYTHING LIKE THIS HAPPEN AND I'M NOW CERTAINLY FEARING IT COULD BE BANK FRAUD!! PLEASE HELP ME!! IT'S BEEN SEVERAL DAYS AND I HAD A PHONE CALL JUST NOW GIVING ME THE SAME DRIBBLE FOR ALMOST WEEK, NO KNOWLEDGE, WAS NOT EVEN A SUPERVISOR ... '' WE'RE LOOKING IN TO IT! '' " WE HAVE TO CONFIRM ALL THE DOCUMENTS+ ... WHATEVER .. THAT I SENT THOUGH XXXX. IT'S DONE, CONFIRMED, AND THEY DO NOT HAVE THE PROPER ACCOUNT NUMBER BECAUSE IT WILL NOT LET ME CHANGE IT ON THE WEBSITE THROUGH MY ACCOUNT AND THEY WILL NOT TAKE THE ACCOUNT NUMBER FROM ME! THIS IS CRIMINAL! THEY ARE REFUSING TO RETURN MY FUNDS. I ONLY WANT THEM TRANSFERED TO A MM ACCOUNT THAT I HAVE CHECKWRITING ABILITY WITH. PLEASE HELP! 
WARNING : DO NOT OPEN AN ACCOUNT WITH WESTERN ALLIANCE BANK!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 writing to dispute hard inquiries on my credit report that were not initiated or approved by me. I have not applied for any loans, credit accounts, or services that would justify such inquiries. These entries are seriously affecting my credit health and causing emotional distress due to their unknown origin. I have taken steps to protect my identity and expect the same diligence in handling disputes that affect my personal and financial integrity.

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 2025-07-21 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 a XXXX of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion

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 2025-07-21 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 contacting you regarding several inaccurate hard inquiries that appear on my credit file. These inquiries are not associated with any application, transaction, or request Ive made.

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 2025-07-21 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:
CFPB Complaint Inaccurate Reporting on Closed Account ( XXXX  XXXX XXXX ) To whom it may concern, I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting on my consumer file related to a XXXX XXXXXXXX XXXX credit card account ( account ending in XXXX / XXXX / XXXX ) that was closed in XX/XX/XXXX, yet is still being reported as active and derogatory by XXXX Experian, and XXXX 

Details of the Inaccuracy : The account was closed in XX/XX/XXXX, yet all three credit bureaus continue to report : Late payments in XXXX XXXX / XXXX " Last activity '' and " last payment '' dates in XXXX and XXXX Updates as recent as XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX and XX/XX/XXXX ( Experian ) This reporting violates my rights as a consumer under federal law and is causing ongoing harm to my credit reputation and financial opportunities. 

Applicable Laws Being Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting payments or activity after a verified closure date is inaccurate.

1681i ( a ) Reinvestigation of Disputed Information If a consumer disputes information, the bureau must investigate and delete or correct any unverifiable or inaccurate data within 30 days.

1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Data furnishers like XXXX XXXX XXXXXXXX may not report information they know or have reasonable cause to believe is inaccurate.

1681s-2 ( b ) Duties After Notice of Dispute After receiving notice of a dispute from a credit bureau , the furnisher must conduct a proper investigation and correct or delete any false data.

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 2025-07-21 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 is a formal request to remove a fraudulent account listed under my credit file. I have no knowledge of or connection to this account and never consented to 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 2025-07-21 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: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I have a solid history of timely payments, so this late report must be in error. Please correct 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 2025-07-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions P.O XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Demand for Full Method of Verification Inaccurate Reporting To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA XXXX XXXX. XXXX ) concerning the inaccurate, unverifiable, and damaging items currently being reported on my TransUnion credit report. These accounts are erroneous, misleading, and legally questionable. 

The following accounts must be immediately investigated and removed if not fully and properly verified with all supporting documentation : XXXX XXXX XXXX Charge-off XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX XXXX XXXX Included in Bankruptcy {$0.00} XXXX  XXXX Included in Bankruptcy {$0.00} I am demanding the following under FCRA XXXX : The full method of verification ( MOV ) for each of the accounts listed above. 
The name, contact number, and title of the party that verified the account. 
The original signed contracts, billing statements, and all legal documentation used to validate the accounts. 
The date and method by which you verified each item. 
If you can not provide this information in its entirety within XXXX calendar days from the date of receipt of this letter, you are required by law to permanently delete these accounts from my report and issue a written confirmation of the deletion. 

Let me be clear : simply stating an item is verified is not sufficient under federal law. If these unverifiable accounts continue to appear on my file, I will take the following actions : File complaints with the CFPB, FTC, and the Illinois Attorney Generals Office Pursue legal action for : Willful noncompliance ( FCRA XXXX ) Negligent noncompliance ( FCRA XXXX ) Defamation, and Financial and emotional damages I expect full compliance with this request and an immediate resolution. You are hereby on legal notice. 

Sincerely, 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 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-21 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: GA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$400.00} XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Balance {$4600.00} XXXX XXXX Balance {$800.00}

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 2025-07-21 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I sent a letter to NCS through the CFPB regarding the validity of this debt. They only provided me with an unsigned lease agreement and a statement from timberpoints. Please review attachment.

Company response to consumer: Closed with explanation