vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
XXXXI am writing to file a formal complaint against the credit reporting agencies and creditors who are furnishing and reporting false, inaccurate, and unverifiable information on my consumer credit reports. These errors are causing significant harm to my credit profile and financial well-being.\n\n1. Wrong/Erroneous Addresses Reported\n\nThe following addresses do not belong to me and are being inaccurately reported on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese addresses are incorrect and unverifiable. Their inclusion suggests sloppy or negligent reporting practices that violate the Fair Credit Reporting Act (FCRA) Section 609(a) and 611, which require consumer reporting agencies to maintain accurate records.\n\n2. Duplicate, Erroneous, and Unverifiable Accounts\n\nSeveral accounts are being reported inaccurately, including duplicate entries and charge-offs that are not valid. SpecificallyXXXX XXXX XXXX XXXX XXXX   Reported XXXX with the same details XXXX XXXX XXXX XXXX XXXX  Duplicate reporting is a direct violation of FCRA 607(b)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as charge-offs with inconsistent and unverifiable detailsXXXX XXXX XXXX XXXXXXXX   XXXX  separate charge-offs with questionable accuracy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX   Reported as collections without proper validation or proof of ownership of debt.\n\nUnder FCRA 623(a)(1)(A), furnishers are prohibited from reporting information they know or should know is inaccurate.\n\n3. Unverified/Unauthorized Hard Inquiries\n\nMy report also reflects suspicious or unauthorized inquiries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not authorize these inquiries. Under FCRA 604, hard inquiries require permissible purpose, which these creditors have failed to establish.\n\nRequested Action\n\nI am requesting the CFPBs immediate investigation and enforcement to ensure that:\n\nAll wrong addresses are permanently removed from my credit report.\n\nAll duplicate, unverifiable, or inaccurate accounts are deleted.\n\nAll unauthorized inquiries are investigated and removed.\n\nThe reporting agencies and furnishers provide documentation proving the accuracy and ownership of each account. If they cannot, they must delete the accounts immediately.\n\nI demand full compliance with the FCRA and request that these violations be corrected within the legally required time frame. Failure to do so continues to harm me financially, and I reserve the right to pursue further legal remedies.'

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 2025-10-01 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:
PLEASE BLOCK AND REMOVE. 
This account is invalid and should be deleted immediately. I never gave authorization for it. Supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 object to certain accounts reflected in my credit history that I did not authorize. I request a rigorous examination and their removal. Supporting records are enclosed.

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 2025-10-01 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 take pride in my punctual payments and request this account reflect that accurately. It is frustrating to see my history misrepresented.

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 2025-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
XXXX XXXX in XX/XX/2025 suspended payments on borrowers that had filed XXXX  XXXX bankruptcy relief on AES  loans PHEAA. AES sent me letter saying I was person that had sought relief. AES has now tried send new loan papers and say I will pay 12 months {$180.00} and also trying have me submit my I.D . to them claiming my name mismatch/has changed which is totally false. My balance was about {$9200.00} in XXXX with payments {$730.00} when I received letter from AES referencing XXXX XXXX. AES had put no payments due on my login. AES is now trying change and have make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
Upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested there removal. Unfortunately, the credit bureaus refused to remove them off my credit report. 
This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-10-01 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: NY

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

1681c2 ) that you, the XXXX  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 : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, XXXX as proof from the US 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 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 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Company : SoFi Bank, N.A. 
Product : Checking or savings account Issue : Fraud or scam I was the victim of a social engineering scam involving individuals impersonating XXXX moderators and using deceptive tactics to coerce payments from me. I sent a total of {$470.00} from my SoFi account through XXXX XXXX and XXXX under false pretenses. The scammers fabricated XXXX screenshots and claimed I needed to pay fees to release a payment they had supposedly sent me. They repeatedly promised reimbursement and pressured me to send money to a phone number and a crypto wallet address. 

I submitted a fraud claim to SoFi, but it was denied. I then appealed the decision, providing detailed evidence including the XXXX usernames involved, the phone number used for XXXX XXXX, the crypto wallet address, and a full timeline of events. SoFi denied the appeal, stating that no error occurred. 

I am requesting that the CFPB investigate this matter and urge SoFi to reconsider the claim in light of the coercion and manipulation involved. I am happy to provide screenshots, message logs, and transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
This record does not accurately represent my payment practices and may have been reported in error. I respectfully request amendment.

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 2025-10-01 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-01 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Iam writing to file a formal complaint against American Express regarding their unwillingness to work with me in establishing a manageable payment arrangement. I have attempted to resolve this matter directly with the company on two separate XX/XX/year> ( the phone call was recorded ) occasions, but unfortunately, I have not received any meaningful assistance. 

My financial situation has made it difficult to meet the current payment requirements. Despite explaining my circumstances during my conversations with American Express representatives, they have declined to offer any payment adjustments, hardship options, or viable solutions. This lack of cooperation has left me without a path forward to responsibly manage my account. 

I believe this behavior is unreasonable, especially given the expectation that credit issuers provide some form of relief or structured repayment options for consumers experiencing hardship. I am requesting that the CFPB investigate American Expresss handling of this issue and assist in obtaining a fair payment arrangement.

Please find the details of my account and the dates of my communication with American Express enclosed for your review. 
Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate and unverifiable information being reported on my credit file by the major credit reporting agencies and certain furnishers due to TransUnion XXXX XXXX XX/XX/year>. 

Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Accounts : Several other accounts are being reported as charge-offs or delinquent without any supporting documentation or proof of income/obligation. These accounts are not mine, or they can not be substantiated. Violations of Federal Law : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure maximum possible accuracy. These accounts are not accurate. Under 15 U.S.C. 1681i, I have the right to dispute information, and if the furnisher can not verify the account with proper documentation, it must be deleted. Under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers may not report information they know or should know is inaccurate, and they must investigate disputes thoroughly. If any of these inaccurate accounts are placed with debt collectors, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires proper validation, which has not been provided. Requested Resolution : I am requesting that all inaccurate and unverifiable accounts be permanently deleted from my credit reports, and that only the accurate accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain. I further request that any furnisher or debt collector provide full validation and documentation if they continue reporting these accounts ; otherwise, they must be removed in compliance with federal law.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate and unverifiable information being reported on my credit file by the major credit reporting agencies and certain furnishers due to TransUnion XXXX XXXX XX/XX/year>. 

Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Accounts : Several other accounts are being reported as charge-offs or delinquent without any supporting documentation or proof of income/obligation. These accounts are not mine, or they can not be substantiated. Violations of Federal Law : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must ensure maximum possible accuracy. These accounts are not accurate. Under 15 U.S.C. 1681i, I have the right to dispute information, and if the furnisher can not verify the account with proper documentation, it must be deleted. Under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers may not report information they know or should know is inaccurate, and they must investigate disputes thoroughly. If any of these inaccurate accounts are placed with debt collectors, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requires proper validation, which has not been provided. Requested Resolution : I am requesting that all inaccurate and unverifiable accounts be permanently deleted from my credit reports, and that only the accurate accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain. I further request that any furnisher or debt collector provide full validation and documentation if they continue reporting these accounts ; otherwise, they must be removed in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: CA

Complaint narrative:
There is a discover account with unauthorized charges, I have reported that my personal belongings were stolen and someone used my ID and other information to obtain charges on my account with this credit card. Its been 3 years of me attempting to dispute this account and I have had no resolution. I provided police and federal investigation claims and reports and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 filing this complaint against Equifax Information Services LLC for inaccurately reporting late payments on my XXXX Card account XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b. 

Details of the Issue Inaccurate Late Payments Equifax reports late payments for XX/XX/year> ( 30 days ), XX/XX/year> ( 30 days ), and XX/XX/year> ( 60 days ). 

These late marks conflict with payment history and have not been substantiated with any documentation despite my prior disputes. 

Violation of 15 U.S.C. 1666b Under the FCBA, payments made on or before the due date must be credited promptly as of the date received. 

If payments were made and properly credited, Equifax can not legally report these accounts as past due. 

Reporting late payments under these circumstances violates both the prompt crediting rule and the accuracy mandate of the FCRA. 

FCRA 1681e ( b ) Maximum Accuracy Requirement Equifax must ensure credit information is reported with maximum possible accuracy. 

Contradictory late marks directly violate this duty.

FCRA 1681i Failure to Reinvestigate I disputed these lates previously. Equifax returned results marked verified without correcting the contradictions or providing documentation. 

This is not a reasonable reinvestigation as required under the FCRA.

Harm Equifaxs inaccurate reporting of late payments damages my credit score, financial standing, and ability to obtain credit under fair terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX AUTO XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting a misleading false account. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: IN

Complaint narrative:
Dear TransUnion 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. XXXXThe specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WV

Complaint narrative:
i have been trying to mke an account with cashapp and it keeps telluing me i cant AND CLOSING THE ACCOUNT AFTER IT SAQYING I COULDNT MAKE ONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This submission serves both as a complaint and an official request for debt validation to LVNV Funding LLC, facilitated through the CFPB platform. I have attached a letter that outlines the specific documents needed to validate the alleged debt under FDCPA guidelines. These documents include the original signed contract, proof of ownership or assignment of the debt, and a detailed breakdown of how the amount was calculated. 
My intent in submitting this through the CFPB is to ensure that my request is properly delivered, documented, and that LVNV Funding LLC is required to provide a timely and lawful response.

Company response to consumer: Closed with non-monetary relief