vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am submitting this complaint against the three major credit reporting agencies TransUnion, Experian, and Equifax as well as the following data furnishers : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have continued to report false, outdated, and/or unverified information on my credit file despite my repeated formal disputes. This includes : Late payments that were never made Derogatory account statuses without any valid contract or billing agreement Information tied to addresses I have never lived at Accounts reported without any proper identity or account verification On XX/XX/year>, I mailed dispute letters with : Copies of my government-issued ID Proof of my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX A formal FTC Identity Theft Report Despite complying with all FCRA requirements, I have received nothing more than generic rejection letters or no proper response at all. These companies have not provided evidence that any of the reported accounts were verified with signed documentation or proper investigation. 



Legal Violations : The continued actions ( and inaction ) of these companies violate several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 Failure to block accounts resulting from identity theft 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Additionally, recent updates to consumer rights taking effect in 2025, as outlined by the XXXX XXXX XXXX XXXXXX/XX/XXXX), now require : CRAs to provide signed validation documents from furnishers when derogatory accounts are disputed Immediate deletion of any item not verified with documentation Detailed explanations of the reinvestigation process to consumers ( Source : XXXX New Consumer Law Rights Taking Effect in 2025 ) None of these steps have been followed in my case.

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 2025-08-08 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: FL

Complaint narrative:
I am submitting this complaint against the three major credit reporting agencies TransUnion, Experian, and Equifax as well as the following data furnishers : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have continued to report false, outdated, and/or unverified information on my credit file despite my repeated formal disputes. This includes : Late payments that were never made Derogatory account statuses without any valid contract or billing agreement Information tied to addresses I have never lived at Accounts reported without any proper identity or account verification On XX/XX/year>, I mailed dispute letters with : Copies of my government-issued ID Proof of my current address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX A formal FTC Identity Theft Report Despite complying with all FCRA requirements, I have received nothing more than generic rejection letters or no proper response at all. These companies have not provided evidence that any of the reported accounts were verified with signed documentation or proper investigation. 



Legal Violations : The continued actions ( and inaction ) of these companies violate several sections of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 Failure to block accounts resulting from identity theft 15 U.S.C. 1681i Failure to conduct a lawful reinvestigation 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Additionally, recent updates to consumer rights taking effect in 2025, as outlined by the XXXX XXXX XXXX XXXXXX/XX/XXXX), now require : CRAs to provide signed validation documents from furnishers when derogatory accounts are disputed Immediate deletion of any item not verified with documentation Detailed explanations of the reinvestigation process to consumers ( Source : XXXX New Consumer Law Rights Taking Effect in 2025 ) None of these steps have been followed in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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.

1681c-2 ) that you, the Experian Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-08-08 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally express my concern and disappointment regarding the recent closure or restriction of my bank account without proper explanation, notice, or opportunity to address the situation.

I have been a customer of Chase and currently still hold an active Chase credit card. However, I recently discovered that my bank account is no longer visible or accessible in my online profile, and I have not received any written communication or official explanation from Chase regarding this matter.

To my knowledge, I have not committed any fraudulent actions or violated any terms of service. If there were any concerns such as a bounced check or flagged deposit, I would have appreciated the opportunity to respond or clarify the situation. I am requesting the following : 1. A clear explanation in writing as to why my account was closed or restricted.

2. Confirmation of whether I have been reported to XXXX or any other reporting agency.

3. Information on how to retrieve any remaining funds in the account.

4. Reconsideration of the closure, or at minimum, a fair review of my situation.

It is extremely concerning that an account can be terminated without communication, especially when no wrongdoing has been explained. I ask that Chase review this matter thoroughly and respond in good faith. I was told that the account would be closed on XX/XX/XXXX and I would be able to withdraw my funds before that time at a branch but when I visited the branch on XX/XX/year> I was told my account was closed I would have to recieve a check into the mail within 10 business days.No money was taken from both bounced check and the representative on the phone told me my account was just restricted Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX [ XXXX Chase Account Number ( if known ). XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account is being reported on my credit file without my consent or knowledge. I have no prior relationship with the creditor, and the account was never opened or approved by me. This is a case of identity theft that is damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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 2025-08-08 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: Property Receivables, Corp
State: MS

Complaint narrative:
CollectTech is reporting a collection account on my XXXX  credit report with a balance of {$4900.00} tied to XXXX XXXX. However, when I contacted CollectTech directly, they denied any knowledge or ownership of this account and claimed they are not the company responsible. 

This is a direct contradiction. If they are not the rightful party, then they should not be furnishing data to XXXX  at allespecially with recent balance updates and monthly payment history being reported as of XXXX XXXXThis behavior is deceptive and in violation of the Fair Credit Reporting Act ( FCRA ), particularly 623 ( a ) ( 1 ) ( A ), which prohibits reporting inaccurate or unverifiable information. 

I am requesting that this account be immediately investigated and removed from my credit file, as CollectTech has failed to verify ownership or legal responsibility for the tradeline. I have included a screenshot from my XXXX  report showing CollectTechs active reporting, which directly contradicts their denial. 

Continued reporting of a debt by a company that claims no affiliation is not only misleading, but creates material harm to my credit reputation and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Company has not updated in over a year : synchrony bank and 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 2025-08-08 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: SC

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

1681c2 ) that you, the TransUnion 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 - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$1200.00}

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 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I asked for the original agreement they brought from third party debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$320.00} DPEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} DPEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} DPEDXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} DPEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140000.00} DPEDXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$29000.00} DPEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
I noticed today that some incorrect accounts are still showing up on my credit report, and I have no clue where they came from. I refreshed the browser just in case it was a temporary error, but the issue persisted. Im asking that you thoroughly review the documents I sent to ensure this is fully resolved and that I no longer have to deal with this kind of problem.

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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
I am filing a complaint against SoFi Bank, N.A. regarding a potential violation of the Truth in Lending Act ( TILA ). I completed a full personal loan application and was approved for a {$25000.00} loan. However, SoFi did not provide me with the required Truth in Lending Disclosure ( TIL ) before requesting that I sign and accept the loan terms.

Under TILA ( 15 U.S.C. 1638 ) and Regulation Z ( 12 CFR 1026 ), creditors are required to provide the TIL disclosure prior to loan consummation. SoFi instead pushed me directly into signing the loan agreement, and the TIL was either hidden, embedded in final loan paperwork, or not provided until after I demanded it. This deprived me of a meaningful opportunity to review and compare the loan terms, as required by law.

This may not be an isolated incident. If SoFis user experience and disclosure process is systemically bypassing clear, upfront delivery of the TILparticularly on fast digital applicationsmillions of consumers could be affected by this compliance lapse without knowing it. Many borrowers may be agreeing to loans without seeing the APR, total payments, or finance charges in the legally required format or timeframe.

I am requesting that the CFPB investigate SoFis loan disclosure process and ensure it complies with TILAs consumer protections. If violations are confirmed, I ask that corrective action be taken to prevent widespread consumer harm I am submitting screen shots of the chat where they acknowledge their mistake. Also include screen shot of my gmail where they sent repeated sign request XX/XX/XXXX prior to sending XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Chime Financial Inc
State: NC

Complaint narrative:
My account was hacked into online back in late XXXX early XXXX with Chime. They made fraudulent transactions with many other companies. " Pay anyone '' transfers were also made to numerous unknown account holders of Chime. 
Now i have submitted disputes on unauthorized transactions on my debit card and Chime even issued me a new debit card. Chime denied my first attempt to dispute these transactions. I have since provided them with the police report stating my accusations of fraud. 
My request is that I would like my funds be refunded back to my checking account in full. My first attempt was denied and was a huge error on Chimes investigating team!

Company response to consumer: Closed with explanation