vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel 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 2025-06-10 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: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-06-10 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: CA

Complaint narrative:
on XX/XX/year> I had phoned XXXX XXXXXXXX again and questioned why account got closed without my consent the agent said she didn't know why. I was offered a settlement and asked I can start with a payment of {$830.00} the the offer to pay lower amount within 3 months every week til paid off and with this first payment I would get letter in mail I never received any mail, email, or call. I called EVERY DAY to asked what happened to my account also to the person said she could not find an agreement and the {$830.00} was taken as a regular payment. This is very frustrating for me I have been calling everyday on XX/XX/year> I get an online settlement offer by chance as I accept I get my phone camera and start video recording as I go step by step I also accepted an eft draft to take place on same day XX/XX/year> understanding it can possible take few days to happen well I continued to call and asked if it was getting processed and was told yes by end of week I called again to let them know it was no deducted when agent answered phone he said call was being recored I said ok and asked if he mind if I also record this call he said it was fine as he looked into the account he stated that he sees the date stamp and time of agreement XX/XX/year> and doesn't know why b of a did not do deduction as all paper work was received I have recording of call plus video of me accepting settlement also email they sent me. As of this day I still have not received any mail or correspondence of any kind I sent certified mail and proof of all attached pages. I don't want my credit to go bad as I paid always on time please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
on XX/XX/year> I had phoned XXXX XXXX again and questioned why account got closed without my consent the agent said she didn't know why. I was offered a settlement and asked I can start with a payment of {$830.00} the the offer to pay lower amount within 3 months every week til paid off and with this first payment I would get letter in mail I never received any mail, email, or call. I called EVERY DAY to asked what happened to my account also to the person said she could not find an agreement and the {$830.00} was taken as a regular payment. This is very frustrating for me I have been calling everyday on XX/XX/year> I get an online settlement offer by chance as I accept I get my phone camera and start video recording as I go step by step I also accepted an eft draft to take place on same day XX/XX/year> understanding it can possible take few days to happen well I continued to call and asked if it was getting processed and was told yes by end of week I called again to let them know it was no deducted when agent answered phone he said call was being recored I said ok and asked if he mind if I also record this call he said it was fine as he looked into the account he stated that he sees the date stamp and time of agreement XX/XX/year> and doesn't know why b of a did not do deduction as all paper work was received I have recording of call plus video of me accepting settlement also email they sent me. As of this day I still have not received any mail or correspondence of any kind I sent certified mail and proof of all attached pages. I don't want my credit to go bad as I paid always on time please see attached

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 2025-06-10 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:
on XX/XX/year> I had phoned XXXX XXXXXXXX again and questioned why account got closed without my consent the agent said she didn't know why. I was offered a settlement and asked I can start with a payment of {$830.00} the the offer to pay lower amount within 3 months every week til paid off and with this first payment I would get letter in mail I never received any mail, email, or call. I called EVERY DAY to asked what happened to my account also to the person said she could not find an agreement and the {$830.00} was taken as a regular payment. This is very frustrating for me I have been calling everyday on XX/XX/year> I get an online settlement offer by chance as I accept I get my phone camera and start video recording as I go step by step I also accepted an eft draft to take place on same day XX/XX/year> understanding it can possible take few days to happen well I continued to call and asked if it was getting processed and was told yes by end of week I called again to let them know it was no deducted when agent answered phone he said call was being recored I said ok and asked if he mind if I also record this call he said it was fine as he looked into the account he stated that he sees the date stamp and time of agreement XX/XX/year> and doesn't know why b of a did not do deduction as all paper work was received I have recording of call plus video of me accepting settlement also email they sent me. As of this day I still have not received any mail or correspondence of any kind I sent certified mail and proof of all attached pages. I don't want my credit to go bad as I paid always on time please see attached

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 2025-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : FCRA Violation & Predatory Loan Structure Request for Escalation Im filing this complaint against SoFi Bank in regard to a private student loan Ive been repaying for over a decade. Despite consistent on-time payments, my principal has barely decreased reflecting a predatory amortization structure.

More urgently, SoFi has violated FCRA 1681s-2 ( a ) ( 3 ) by refusing to report my account as disputed to credit bureaus, despite receiving formal notice and documentation. This is a legal requirement, not optional.

SoFi has responded that : They do not report dispute comments ( noncompliance ). 
They will not escalate to legal/compliance. 
They are not authorized to discharge the loan, even though the regulatory protections the agreement was based on have since been dismantled. 
I have submitted a formal rebuttal letter attached to this complaint. I request that the CFPB intervene to enforce federal protections and require SoFi to : Flag the loan as disputed.

Cease all negative reporting.

Discharge or reassess the loan based on current law and borrower protection precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
In XXXX of XXXX  I was locked out of my cash app account and days later after I was able to log back in I realized that someone had Hacked into my Cash app account and borrowed money on the app leaving a balance of {$230.00}. I immediately reached out to cash app via email trying to resolve the problem but no one would help so after feeling helpless about the situation thirty days later I thought maybe if i paid the debt that I could get a refund or have someone help change my password or account name to further prevent this from happening again. I then started paying on the balance that I wasn't responsible for in which I paid two separate payments. XXXX being {$50.00} and the other {$70.00} and immediately after paying a day later they closed down the account. I then went another 2 to 3 months trying to receive insight on the situation by emailing and speaking to representatives on the phone but no one would give me any answer as to why the account was closed and no one would even consider or tend to my discrepancies so it left me without a cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-06-10 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: MO

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX account number XXXX with a balance of {$6700.00} is reporting the status of the account as a collection/charge off on XXXX  credit report, and the status of the account on TransUnion is reporting the status as an open account.this is not consistent information and is violating my federally protected rights under the fair credit reporting act.XXXX  has deleted this account but transunion and XXXX  are not doing a proper investigation and is reporting this account inaccurately.delete 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 explanation
Consumer complaint received 2025-06-10 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:
See Attachments I Contacted EQUIFAX VIA mail and verbally over the phone several times to remove fraudulent accounts. Name Confirmation # XXXX Verbal Dispute ConfirmationXXXX. Online dispute via Equifax online dispute portal is not available to me. These accounts need to be removed and blocked within XXXX business days of the reporting agency receiving the Dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
I am filing this complaint regarding multiple unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, nor did I provide written or verbal consent to the companies listed. These inquiries violate my rights under the Fair Credit Reporting Act ( FCRA ). 
I ask for the CFPB help to solve this matter in accordance with : 15 U.S.C. 1681b ( f ) : which prohibits obtaining a consumer report without a permissible purpose 15 U.S.C. 1681i ( a ) : which requires the credit reporting agency to conduct a reasonable reinvestigation when a dispute is filed 15 U.S.C. 1681g : which requires disclosure of the parties who accessed my credit file 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : which requires a description of the procedure used during the reinvestigation Despite following the appropriate procedure and including an FTC Identity Theft Report with supporting documentation, Experian has failed to remove the unauthorized inquiries or provide sufficient evidence that the inquiries were lawfully authorized with permissible purpose. These hard inquiries continue to negatively affect my credit profile to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I ordered an XXXX XXXX from XXXX and used Affirm as an installment plan " Buy now pay later '' The order number is XXXX, and the installment number is XXXX. When the package came, I returned the package back to the XXXX guy and asked them to return it back to XXXX due to some damages on the package. The XXXX driver took it back and return it. Later then, XXXX somehow said they didn't receive the package back. Eventhough on the package it showed XXXX to XXXX, XXXX refused to issue a refund, and Affirm refused to help me fight back against XXXX. Now they want me to pay for something I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. 
XXXX XXXX * * * * Balance : {$680000.00} XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$3900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * Balance : {$14000.00} XXXX XXXX XXXX * * * Balance : {$44000.00} XXXX XXXX XXXX XXXXXXXX * * * * Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
Account Name : XXXX XXXX Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

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