vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
Kindly remove this inaccurate late payment and ensure the account reflects a positive payment record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I recently had an overdraft charge under {$25.00} on my checking account with SoFi and took too long to payoff the balance, so they closed my checking and savings accounts. I was unaware they would do this. I only received notice that I would lose my overdraft. I only found out because my payment to the checking account got rejected. At the same time, I fell behind on my credit card payments due to being ill and effects from the government shutdown. To my understanding, the only way to make a payment to the credit card is through their checking account, which SoFi closed. I have been receiving phone calls from SoFi up to XXXX times a day since then, far exceeding the amount of permitted calls per 7 days by the consumer finance bureau. I also receive text notifications and in app notifications at the same time. The calls began on XX/XX/year> and are currently still happening. They have frozen my credit card now and it is heading towards collections per what their notices report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AR

Complaint narrative:
I am disputing a late payment on my consumer report that is incorrect. The account has never been late, and the creditor provided no proof. This item must be corrected to paid as agreed and never late. This account was reported without my written consent, constitutes identity theft, and violates 15 U.S.C. 1681b ( permissible purpose ). Under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ), you are required to ensure accuracy and promptly delete or correct unverifiable information. I demand that this item be corrected or removed immediately. Continued failure to comply may result in legal action for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because my credit reports contain hard inquiries that I do not recognize and did not authorize. I never applied for credit nor gave verbal or written permission for the following inquiries : Unauthorized inquiries : XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, a hard inquiry requires a permissible purpose initiated by the consumer, which does not exist in this case. Additionally, 15 U.S.C. 1681i requires a reasonable reinvestigation, not a simple verification without proof of my authorization.

These inquiries are inaccurate and unauthorized and, pursuant to 15 U.S.C. 1681c-2, must be blocked and removed. I am requesting CFPB intervention to ensure compliance with federal law and the immediate deletion of these inquiries from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports contain hard inquiries that I do not recognize and did not authorize. I never applied for credit nor gave verbal or written permission for the following inquiries : Unauthorized inquiries : XXXX XXXX / XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681b, a hard inquiry requires a permissible purpose initiated by the consumer, which does not exist in this case. Additionally, 15 U.S.C. 1681i requires a reasonable reinvestigation, not a simple verification without proof of my authorization.

These inquiries are inaccurate and unauthorized and, pursuant to 15 U.S.C. 1681c-2, must be blocked and removed. I am requesting CFPB intervention to ensure compliance with federal law and the immediate deletion of these inquiries from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
The first time I called the company to reduce the credit limit so I can help my daughter manage her debt and bring her finances ( she is an authorized user ) under control. 

The card account should show that my daughter has been making XXXX payments monthly, and she did the same during XXXX, XXXX and XXXX, XXXX as well. Together, each month should show my daughter has paid well over the minimum payments. 

Despite that, my account shows that there were late payments in XXXX and in XXXX. I understand the computer does NOT think and transactions run as programmed. But, I expected the senior managers to think and reason with me. 

So, I called to ask that the account be reviewed. Which it was. The agent did not provide me with the answer I asked for ; remove the late fees and adjust the interest. She replied that she can't. So I asked for a XXXX. 

When the XXXX was on the phone, I had to repeat the above information all over. Her decision was that there was nothing she could do because at Capital One they have policies that they must follow. I replied that I was disappointed that she could not override the computer and I was disappointed even more because I have been a loyal customer since XXXX. I was not asking for the impossible, and I did not think the late fees and the corresponding interest were just or fair. I was hoping Capital One would not use such tactics when I continue to support the business. I was only asking for what makes sense and I most certainly wanted Capital One to be sensitive to the fact that my daughter ( who is just a student ) is trying to manage her finances and bring her debt under control. This is NOT encouraging and it is most certainly infuriating to someone who is trying hard to do right. 

Thank you for sharing this information with Capital One and its CEO and the others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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 am a consumer attempting to repair my credit. I am filing this complaint regarding inaccurate and/or unverified information Experian is reporting on my credit file. Experian is required under the Fair Credit Reporting Act to ensure that all reported information is complete, accurate, and verified. 

Charged-Off Accounts Experian is reporting the following charged-off accounts, which I dispute : XXXX Acct # XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$15000.00} XXXX  Acct # XXXX, opened XX/XX/XXXX, balance {$260.00} XXXX XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$440.00} XXXX Acct # XXXX XXXX opened XX/XX/XXXX, balance {$3000.00} XXXX Card Acct # XXXX, opened XX/XX/XXXX, balance {$94.00} I dispute the accuracy, ownership, balances, and charge-off status of these accounts. Experian has not provided documentation showing these accounts were properly verified, including complete payment histories and legal agreements. I request a reinvestigation and correction or removal of any unverifiable information. 

Late Payment Reporting Experian is reporting late payments on the following accounts, which I dispute : XXXX Child Support Acct # XXXX Self / Lead Acct # XXXX I dispute the accuracy of these late payments and request Experian provide verification documentation. Any unverifiable late payments must be removed.

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 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MS

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 2025-12-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts, which I dispute : XXXX XXXX XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$2600.00} XXXX Card Acct # XXXX, account date XX/XX/XXXX, balance {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX account date XX/XX/XXXX, balance {$5000.00} XXXX Card Acct # XXXX, account date XX/XX/XXXX, balance {$3800.00} XXXX dispute the accuracy, balances, dates, and reporting of these accounts. TransUnion has not provided documentation proving that these accounts were properly verified. 

Hard Inquiry TransUnion is reporting the following inquiry that I did not authorize or recognize : XXXX XXXX XXXX XXXXXX/XX/XXXX I dispute this inquiry and request TransUnion provide proof of permissible purpose. If such proof can not be produced, this inquiry must be removed.

Late Payment Reporting TransUnion is reporting late payment information on the following account, which I dispute : XXXX XXXX XXXX XXXX Acct # 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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was informed officially at a branch visitXXXX that my checking account was frozen due to suspected fraud. I was told that the suspected fraud stemmed from a check on XX/XX/XXXX. I realized that something was wrong earlier in the week on Monday XX/XX/XXXX when my attempted payments to my credit card had been returned. I attempted to do a mobile deposit of my check on XX/XX/XXXX and I could not complete the deposit, hence the visit to the bank on XX/XX/XXXX. After leaving the bank and contacting XXXX XXXX  at XXXX on XX/XX/XXXX I attempted to pay the credit card by phone and I was told the payment was rejected. I was in the bank parking lot and walked back inside. After a few minutes of discussion I was told by the teller that my account was frozen for suspected fraud ( around XXXX XX/XX/XXXX ) and that she was informed to call the fraud department. No information could be/would be given to her or myself. I was told that it would take 7-10 business days. 

After my own quick investigation, the only check taht was deposited into my account that day was from my XXXX XXXX XXXX, legally blind neighbor. I bought $ XXXX worth of items for her and told her it was a gift. She insisted on paying despite my rejections. I eventually settled on taking a payment of {$20.00} which I assumed would be cash. She wanted to write a check. She asked me to write it and she signed it. I intended to never deposit it but she informed me that if I didn't she " would know '' and she " would be mad ''. I deposited it on my mobil right in front of her as I explained what I was doing.

Fast forward almost 6 months. She also banks with Truist. She donated money to XXXX. Somehow, someway she was having a monthly donation taken out of her account which she did not approve. She claimed fraud and I suppose an invetigation ensued. She donated {$20.00}. I suspect that I have somehow been pulled into the investigation of her finances, though no one has told me anything. I have {$9700.00} in my checking frozen. I have multiple autodraft payments that come out and they are being rejected. Today I received a letter in the mail from the fraud department of Truist telling me that they can keep my money or turn it over to the police, etc. I have been with Truist since XX/XX/XXXX and have never had any issues of any significant nature. 

I feel helpless as no one will provide any information and they have seized almost all of my funds.

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 2025-12-15 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: CBC Companies, Inc.
State: SC

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I never Enter into any contracts with these companies I have found inaccuracies on my credit report please take note of the following this is potentially damaging my credit report damage to and my personal prospect Some are affecting my business account some were cleared up through bankruptcy and I have been fighting this battle says XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation