vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally express my deep disappointment and concern regarding Equifaxs failure to adequately investigate an unauthorized credit inquiry from a company named XXXX XXXX XXXX and XXXX XXXX. which is currently being reported on my credit file. 
I did not authorize these companies to access my credit in any capacity. Upon discovering this inquiry, I took the proper steps by reaching out directly to XXXX XXXX XXXX and XXXX XXXX to dispute and request an explanation. Unfortunately, I received no response from the companyyet Equifax continues to report the inquiry after notifying them without any proper verification or supporting documentation. 
Even more troubling is that Equifax concluded their so-called investigation in just two daysa clearly insufficient timeframe to conduct a thorough inquiry, especially given that the company in question did not even respond to my outreach. It is evident that Equifax did not properly investigate or attempt to obtain valid authorization documentation from the furnisher. 
This inquiry is erroneous, unauthorized, and causing unjust harm to my credit profile. I am requesting the CFPB to step in and review this matter, including Equifaxs failure to uphold its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure the maximum possible accuracy of the information they report. 
I respectfully ask that this inquiry be permanently removed from my credit report, and that corrective action be taken against Equifax for its failure to conduct a fair, diligent, and lawful investigation. 
Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is currently reporting an outdated and potentially compromised address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year>. Given the rising incidents of data breaches in recent years, the continued presence of this outdated address on my credit file raises significant security concerns. This type of outdated and potentially inaccurate information poses a direct risk to my financial well-being and reflects a clear failure by Experian to adhere to the data accuracy requirements set forth in the Fair Credit Reporting Act ( FCRA ). This negligence in maintaining accurate records undermines my creditworthiness and exposes me to potential financial harm, including credit denials and higher interest rates. It is imperative that credit bureaus maintain accurate and up-to-date information to prevent such risks.

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 2025-05-08 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: AZ

Complaint narrative:
The charge-off for XXXX XXXX XXXX XXXX Account Number : XXXX ), dated XX/XX/year>, with a reported balance of {$2500.00}, has been incorrectly reported on my TransUnion credit report. This charge-off is inaccurate and does not reflect any legitimate responsibility on my part. The incorrect entry on my credit report is likely the result of a data breach or mishandling of my personal data, leading to a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are required to maintain accurate and verifiable data, and the continued presence of this erroneous charge-off on my file violates these standards. Additionally, there is no verification available to confirm the legitimacy of this charge-off, which further undermines my financial standing. This is not only a violation of the FCRA, but it also exposes me to severe consequences, such as higher interest rates and difficulty obtaining credit. The reckless reporting of inaccurate information is unacceptable and must 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am filing a complaint against American Express for refusing to refund the annual fee on my XXXX XXXX card, which they closedlikely in errorwithin XXXX days of the fee being posted and paid. I did not initiate or request the closure and had little to no opportunity to use the card benefits. Despite the early account closure and the fact that many issuers offer full refunds when an account is closed shortly after the fee is charged, Amex has denied my request for a refund. I believe it is unfair and unreasonable for Amex to retain the full annual fee under these circumstances. If this issue is not resolved promptly, I reserve the right to pursue legal action to recover the amount and address the improper account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ).

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 2025-05-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX ]. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction : XX/XX/year> Merchant name : CAPITAL ONE BANK Amount charged : {$1300.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I am filing this complaint regarding SoFis misleading and inconsistent student loan refinancing practices. I completed my XXXX in the United States between XXXX and XXXX and took a private student loan from XXXX to fund my education. After graduating in XX/XX/XXXX, I refinanced that loan with SoFi. Although the interest rate and monthly payments offered at that time were not low, I proceeded in hopes of future refinancing opportunities. 

My current student loan balance with SoFi is approximately {$230000.00}. Since XXXX XXXX a few months after my initial refinanceI have submitted over six new applications to refinance this loan to reduce my interest rate and lower my monthly payments. Each time, SoFi presented rate options that would reduce my monthly obligation by at least {$300.00}, a meaningful reduction for a long-term, XXXX loan. However, every application has been denied, with inconsistent and opaque reasons : Unable to verify income despite my submission of paystubs, employment contract, employer declaration, and HR verification. 

Excessive obligations relative to income an explanation never explained by SoFi, even though I have no other debts aside from this student loan. 

Temporary or irregular employment despite unchanged, stable, full-time employment since my original application, submission of paystubs, employment contract, employer declaration, and HR verification. 

Most recently : Does not offer credit on the terms requested despite a XXXX credit score, solid income, no other loans/mortgages/debt, etc, and absolutely no financial changes since my first approval. 

SoFis pattern of offering apparent savings during the initial quote stage, then denying refinancing without clear or consistent reasoning, is misleading. It creates a false impression of opportunity while locking borrowers into higher rates. My financial profile has remained the same since the original approval same job, same income, same loan yet SoFi has repeatedly rejected refinancing applications that would lower my cost of borrowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-08 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: GA

Complaint narrative:
This letter is a formal dispute and demand for deletion regarding the reporting of an account furnished by XXXX XXXX, account ending in XXXX, currently listed on my Experian credit report. I am writing to bring your attention to numerous legal, procedural, and ethical violations associated with this entry, and I am requesting immediate action in accordance with the Fair Credit Reporting Act ( FCRA ). 

According to the information listed on my credit report, this account was opened on XX/XX/XXXX, and is reported as derogatory, charged off, and reflecting a balance of {$1500.00}. I have no recollection of entering into any lease or financial agreement with XXXX XXXX. No signed agreement, application, or verifiable documentation has ever been presented to me confirming that I willingly applied for or authorized this account. 

Experian is obligated under federal law to ensure that every item reported on a consumer credit file is accurate and verifiable. Under XXXX U.S.C. XXXXe ( b ), Experian must maintain the maximum possible accuracy of the information it reports. Continuing to report an account that can not be verified with original, signed documentation is a clear violation of this standard. Furthermore, under XXXX U.S.C. XXXXi, Experian is required to conduct a thorough reinvestigation of any disputed information and remove it if it can not be substantiated. 

The data being reported is also harming me emotionally and financially. This inaccurate entry has led to reputational damage, emotional distress, and difficulty accessing new credit opportunities. In light of these circumstances, I am formally demanding that this account be permanently deleted from my Experian credit report. 

Failure to comply may result in further legal action, including but not limited to formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Georgia Department of Law Consumer Protection Division, and potential litigation under FCRA XXXXn and XXXXo. 

I trust that Experian will act in good faith and in full compliance with federal and state law. Please provide written confirmation of deletion within the legally required time frame. 

Sincerely, XXXX XXXX XXXX XX/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 2025-05-08 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: TX

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within XXXX  days. Enclosed are relevant documents as proof.

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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the 3 credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all 3 credit bureaus are reporting different information? The following is everything that is reporting differently across the credit bureaus : Account Status, Monthly Payment, Date Opened, No. of Months ( terms ), High Credit, Past Due, Payment Status, Last Reported, Comments, Date Last Active, Date of Last Payment, Two-Year payment history. All the mentioned above are reporting differently across the credit bureaus.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am the victim of ongoing identity theft, and Capital One has failed to take reasonable steps to protect my account and personal informationeven after multiple reports to their fraud department. 

An unauthorized individual has access to my Social Security number and continues to change the address and phone number on my Capital One accounts.! I have contacted Capital Ones fraud department several times and requested that my account be flagged, locked, or given extra protection, but I was told there are no safeguards to prevent changes if someone has my SSN. 

This is completely unacceptable and puts me at continued financial risk. Despite reporting this as identity theft, Capital One is still allowing unauthorized parties to modify my account information, which may impact billing, fraud monitoring, or credit reporting. No two-factor authentication, verbal verification, or added protections have been implementedeven though I specifically requested them. 

Their fraud department has acknowledged the problem but refuses to stop it, which is a violation of basic consumer protection and a failure in handling identity theft. I have taken steps to freeze my credit and report the theft to the FTC, but Capital Ones inaction is enabling further fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I disputed a Midland Credit Management collection account that was previously closed. Following the dispute, the account was reopened on XX/XX/XXXX with no new payment activity, acknowledgment of debt, or legal basis for the change. This appears to be an attempt to re-age the account, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

The account originally opened on XX/XX/XXXX and had been closed. I received an alert from XXXX confirming the reopening, and I find this to be deceptive and damaging to my credit profile. 

I am requesting that the CFPB investigate this unlawful reopening and require Midland Credit Management to correct the account status and cease deceptive reporting.

Company response to consumer: Closed with non-monetary relief