vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: OR

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled, as these inquiries still remain. This continued inaction is unacceptable. The presence of these potentially fraudulent entries is highly concerning and raises serious suspicions of identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: TN

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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:
To Whom It XXXX Concern, I am writing to formally express my serious concern regarding the recent data breach involving TransUnion, which has compromised my personal information without my authorization or consent. I have reason to believe my data was directly impacted by this breach. 
As a result of this security failure, I am now being affected by creditors placing hard inquiries on my credit report, and I am receiving unsolicited and harassing phone calls from lenders and companies with whom I have never done business. These activities are not only unauthorized but are also damaging my credit standing and peace of mind. 
TransUnion has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to maintain the accuracy, privacy, and security of consumer information. The failure to protect my data and prevent unauthorized access and use is a violation of these rights. 
I am demanding that the following actions be taken immediately : A full investigation into the unauthorized activity and confirmation of how my data was compromised. 
Immediate removal of all fraudulent or unauthorized inquiries and negative entries that have resulted from this breach. 
Written confirmation outlining the actions you have taken and how you will prevent further misuse of my information. 
If this issue is not resolved promptly and completely, I will pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and initiating a lawsuit to seek damages for the harm caused by your negligence. 
This matter requires your urgent attention. I expect a full response within XXXX business days from the date of this letter.

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 2025-10-08 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRINITY HOPE ASSOCIATES
State: GA

Complaint narrative:
I was called by this called XXXX times in a row, once I answered the lady in the phone XXXX spoke very quickly in a manner in which I would not be able to gather all her information and process it. 

Then proceeded to make threatening remarks of taking me to court. I let her know I am not bailable to speak between XXXX XXXX XXXX and ask to be on a do not call during those things and she went off, aggressively in which I stated I would seek legal advice for her harassment, in which she stated how could I when I can not even pay my bills. She told me she would file for garnishment and I proceeded to ask her how she could talk to people the way she did and not bring a resolution to the matter. Turns out that the amount that shes calling about I have received from another debt company not their company. I have never once received any notification from Trinity Hope. They have many many many negative reviews and comments on how they treat people. They have broke many consumer laws and no one has done anything to help the thousands of people affected by the harassment and unlawfulness when handle debt collection. 
They also called everyday since during my requested XXXX hours. I am seeking them to not call be at all and until I receive a debt explanation from their company to prove they are the holds of my medical bills as they claim especially being I have this specific bill from another company in my position right now and it is not their company. This is fraud this is unlawful nd I m seeking help.

Company response to consumer: In progress
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my third time disputing several accounts that are still showing on my credit reports. I have already filed previous disputes, but the credit bureaus have not provided proof or verification that these accounts are accurate or even belong to me. 
Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct a reasonable investigation and verify information with the furnishers. That has not been done. 
The following accounts are still incorrect or unverified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts also show conflicting and inconsistent information across the XXXX credit bureaus, including different balances, dates of last activity, and account statuses. That shows the information being reported is not accurate or consistent, which violates FCRA 1681e ( b ) the requirement to ensure maximum possible accuracy.

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 2025-10-08 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: OH

Complaint narrative:
This is my third formal request to reinvestigate and immediately delete inaccurate, incomplete, and obsolete personal identifying information on my credit file. My prior disputes did not correct these errors. 
Legal reminder : Under Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), you must follow reasonable procedures to ensure the maximum possible accuracy of the information you report. 
Items I dispute ( remove or correct ) : XXXX. Obsolete / incorrect addresses ( remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I received a notice from my bank that my account was negative and needed to be corrected by the next business day. I immediately added funds that same day, and my account was positive on XX/XX/XXXX. 

Later in the afternoon on XX/XX/XXXX, a separate pending transaction posted and caused a new negative balance. This transaction was unrelated to the original notice. On XX/XX/XXXX, the bank charged an overdraft fee. 

I contacted customer service multiple times to explain that I corrected the balance promptly and that this was a separate issue. Despite this, the bank refused to fully refund the fee and only offered to refund half. 

Why I believe this is unfair : I followed the banks instructions and corrected the account immediately. The overdraft fee resulted from a separate transaction timing issue, not from negligence or failure to act. The CFPB has issued guidance about overdraft fees being unfair when the consumer could not reasonably anticipate them after taking corrective action.

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 2025-10-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
It has been so long. I don't have any information on this account. I just know there are several that's on my credit report.

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 2025-10-08 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: CO

Complaint narrative:
I've made various disputes about the late payment XXXX XXXX XXXX XXXX has on my transunion credit report. They not not provide any proof that the information is accurate, and Transunion makes checking this information almost IMPOSSIBLE. None of their websites work. They have XXXX different sites with XXXX different logins.... their emails have links that take you to blank pages. 

Tranunsion is a defunct company with almost XXXX accountability and customer service. 

The negative information needs to be removed from the report and they need to provide us a way to access this information from 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 2025-10-08 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: TX

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-10-08 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: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau : I am submitting this complaint because my bank, SoFi, denied my dispute for unauthorized XXXX transactions totaling {$15000.00}, which occurred between XX/XX/year> on my account ending in XXXX. 
I want to clarify that I have used XXXX in the past, but I did not authorize these particular transactions. These charges were made without my consent while I was not using the platform. 
SoFi keeps saying that a yes text message was sent from my phone approving the transactions, but I never sent such a message. I have asked SoFi for proof of this text ( such as message metadata or time stamps ), but they have not provided it. 
I also asked for a letter to provide to the police and guidance about what evidence I could send to support my claim. SoFi ignored my requests and denied my dispute without giving me a fair chance to provide information.

This situation has caused me financial hardship, including late rent and missed essential payments, since {$15000.00} was withdrawn without authorization.

I am asking the CFPB to review this matter carefully under Regulation E ( 12 CFR 1005.11 ). SoFi failed to perform a proper investigation, refused to cooperate with my evidence requests, and denied my claim unfairly. 
Thank you for your attention to my case. 
Name : XXXX XXXX Account ending : XXXX Bank : SoFi Bank, N.A. 
Total Disputed Amount : {$15000.00} Unauthorized Merchant : XXXX ( XX/XX/year> ) I made a claim before but i canceled because the bank told me that i write i never used XXXX  before but that is not correct if so.....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation