vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my Equifax consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card account opened at XXXX  XXXX on XXXX under account number XXXX in the amount of $ {$350.00}. This fraudulent account has resulted in inaccurate and damaging information appearing on my Equifax consumer FICO credit report.

This is a formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove the following fraudulent account, including any related collections, charge-offs, late payments, and hard inquiries, that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity and not any legitimate consumer transaction.

This fraudulent, inaccurate, and false information consists of an installment account opened at XXXX  XXXX Account No. XXXX, Date Opened : XX/XX/year>. 

This account was added without my knowledge or authorization and is the direct result of fraudulent activity, not any legitimate consumer transaction. In support of this request, I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures 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 non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My federal loans were discharged by the U.S. Department of Education due to XXXX misconduct and fraud. I also have private loans from the same time period that were originally serviced by Navient but are now billed by XXXX. When I contacted Navient regarding discharge review due to school misconduct, they stated that XXXX is responsible since XXXX currently services the loans. XXXX informed me that Navient remains responsible for decisions related to these private loans and their discharge eligibility. Both companies continue to refer me to the other with no resolution, and neither will confirm who owns or controls the loan or who has authority to process a discharge request. I filed a complaint with my State Attorney General and am awaiting a response. Despite federal relief being granted for the same school fraud, I am still being billed and can not access a legitimate review process. I am requesting CFPB assistance to determine who is responsible for these private loans and require the appropriate party to review my discharge request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: DC

Complaint narrative:
Summary for CFPB : I submitted a formal Identity Theft Dispute to Experian under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( 605B ). The accounts listed below were opened fraudulently and without my authorization. I provided copies of my government ID and Social Security card for verification. Experian has not complied with the FCRAs requirement to block and permanently delete these accounts within four ( 4 ) business days. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$930.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi {$600.00} Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Secured Loan ) {$720.00} Opened XX/XX/XXXX I am requesting the CFPB to ensure Experian blocks and deletes these entries immediately as required by 605B ( a ) ( 1 ) and notifies each furnisher per 609 ( e ). Failure to comply constitutes a violation under 1681n and 1681o.

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 2025-11-05 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: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed that I have unauthorized inquiries on my credit profile ( EXPERIAN )

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 2025-11-06 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
About a week ago I had noticed some unusual activity in my checking account with SoFi banking. I chatted with an agent who said that they were going to investigate the matter and what not. Yesterday I wake up and discover that SoFi had closed my account for fraudulent activity and now I have no access to my funds or anything and I have some urgent bills to pay. I have never heard of this policy in my life but they claim that its there. So they told me that I would have to wait for any pending transactions to clear before they actually close the account and they will send me a check with my balance. This is ridiculous and inhumane. I am suffering from this issue big time and I dont even get an explanation why?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My first balance was due, and I had BoA 's representative help set up the first time payment and auto-payment after that. It was all set up to pay on the due date ( XX/XX/year> ) in the amount of {$1200.00}. 

Somehow, the system cancelled my payment and I wasn't aware of it until XX/XX/year>, at which time I called BoA to follow up. And the representative at that time was able to process my payment and reactive my account on BoA app. She was able to remove the late fee of {$29.00}, but have to submit a request to a different department to remove the interest charge in the amount of {$130.00}. I was told at the time that I have to wait a few days until they get to it. 

Fast forward, I received an email stating they have declined to refund the interest charge, at which time I called BoA to follow up. XXXX different phone calls over the span of 5 days later, I got a XXXX on the phone, who basically said I have to pay the charge because there's nothing she can do about it, and nobody else in their system that I can push this issue on to. 

A quick XXXX search after, I guess this is it. The lesson learned here is not to do business with BoA if all 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 monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MN

Complaint narrative:
I received notice that you verified certain items on my credit report from the following company : XXXX caine & weiner Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you tell me this in15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and included the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is requested to give that to you. So, when is that? when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response. I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I was using cash app to pay my rent when they locked my account on monday XX/XX/XXXX due to suspicious activity. I was trying to pay my rent.i have contacted them numerous amounts of times and informed them of this. That is when cash app locked my account and informed me that i will hear back in XXXX to XXXX hours. I contacted on XXXX and was told my account was going to be unlocked at XXXXXXXX XXXX today which is XXXX and then i was told it was going to be unlocked today at XXXX pm it still XXXX unlocked. When i contact them they do not give you no information or update all they say is XXXX to XXXX... Well it has been XXXX hours and i still do not have access to my money or my account. I need this money so i can pay my rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 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:
I submitted written disputes to all three major consumer reporting agencies Equifax, Experian, and TransUnion on XX/XX/year>, concerning inaccurate, obsolete, and misleading information being reported on my consumer credit files. 

In my letters, I requested that each bureau : Conduct a reinvestigation within 30 days as required by 15 U.S.C. 1681i ( FCRA ) ; Remove unverifiable, obsolete, or inaccurate items ; Provide full file disclosures as required by 15 U.S.C. 1681g ; and Remove unauthorized inquiries and suppress promotional offers.

I also explained that the reporting of incorrect or unverifiable information had caused me financial harm, emotional distress, and difficulty obtaining credit.

Despite these requests, the bureaus have continued to report inaccurate and misleading information. I have reason to believe they have failed to : Verify the accuracy of data with furnishers ; Remove or correct unverifiable items ; and Provide documentation or the sources of the disputed 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 2025-11-06 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 submitted written disputes to all three major consumer reporting agencies Equifax, Experian, and TransUnion on XX/XX/year>, concerning inaccurate, obsolete, and misleading information being reported on my consumer credit files. 

In my letters, I requested that each bureau : Conduct a reinvestigation within 30 days as required by 15 U.S.C. 1681i ( FCRA ) ; Remove unverifiable, obsolete, or inaccurate items ; Provide full file disclosures as required by 15 U.S.C. 1681g ; and Remove unauthorized inquiries and suppress promotional offers.

I also explained that the reporting of incorrect or unverifiable information had caused me financial harm, emotional distress, and difficulty obtaining credit.

Despite these requests, the bureaus have continued to report inaccurate and misleading information. I have reason to believe they have failed to : Verify the accuracy of data with furnishers ; Remove or correct unverifiable items ; and Provide documentation or the sources of the disputed data.

Company response to consumer: Closed with explanation