vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am writing to formally file a complaint regarding the failure to correct inaccurate personal information across the three major credit bureaus : Equifax, TransUnion, and Experian. 

I submitted a written dispute and correction request concerning inaccurate or outdated personal information appearing on the consumer 's credit report. The original correction letter was sent via certified mail in XX/XX/year>, with supporting documentation including proof of identity and residence, and a clear breakdown of the items to be corrected ( such as incorrect name spellings, addresses, and/or social security numbers ).

To date, no action has been taken by any of the credit bureaus to process the request, nor has any formal response or investigation notice been issued as required under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ]. 

This lack of response represents a direct violation of the FCRA, which requires credit reporting agencies to investigate and respond to disputes within 30 days of receipt. Failing to do so is not only noncompliant, but it also continues to cause harm to the consumers ability to access credit and maintain an accurate profile. 

I am formally requesting : Immediate investigation into the correction request submitted in XX/XX/year>. 

Written confirmation of any changes or updates made to the consumers personal information. 

A formal explanation for the lack of response within the FCRA-mandated period.

Should this issue remain unresolved, we reserve the right to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek additional legal remedies under federal consumer protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am writing to formally file a complaint regarding the failure to correct inaccurate personal information across the three major credit bureaus : Equifax, TransUnion, and Experian. 

I submitted a written dispute and correction request concerning inaccurate or outdated personal information appearing on the consumer 's credit report. The original correction letter was sent via certified mail in XX/XX/year>, with supporting documentation including proof of identity and residence, and a clear breakdown of the items to be corrected ( such as incorrect name spellings, addresses, and/or social security numbers ).

To date, no action has been taken by any of the credit bureaus to process the request, nor has any formal response or investigation notice been issued as required under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C 1681i ( a ) ( 1 ) ( A ) ]. 

This lack of response represents a direct violation of the FCRA, which requires credit reporting agencies to investigate and respond to disputes within 30 days of receipt. Failing to do so is not only noncompliant, but it also continues to cause harm to the consumers ability to access credit and maintain an accurate profile. 

I am formally requesting : Immediate investigation into the correction request submitted in XX/XX/year>. 

Written confirmation of any changes or updates made to the consumers personal information. 

A formal explanation for the lack of response within the FCRA-mandated period.

Should this issue remain unresolved, we reserve the right to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and seek additional legal remedies under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy 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 2025-05-23 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am a victim of Identity theft. Please Remove the following accounts associated with that identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
I am a victim of Identity theft. Please Remove the following accounts associated with that identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
I am a victim of Identity theft. Please Remove the following accounts associated with that identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
I am filing this complaint against SoFi for charging off my account without notifying me and sending it to an unknown collection agency. I was never informed that my account was being closed, charged off, or sent to collections. 

I have now discovered that I allegedly owe {$0.00} to a third-party debt collector that I have never heard of, have never received communication from, and who is not listed on my credit report. I have no way of knowing who currently holds the account, what this balance is for, or how to resolve it. 

This has created unnecessary stress and confusion. SoFi did not follow proper procedures to inform me of this action, and there is no transparency about what has happened to my account. I am requesting the following : 1. A full explanation of why the account was charged off and when.

2. Identification of the collection agency allegedly holding the {$0.00} balance.

3. Confirmation that no negative marks have been or will be reported to the credit bureaus.

4. Correction of any reporting errors that may have already occurred.

I am asking the CFPB to assist in compelling SoFi to provide clear, timely answers and correct any mishandling of this account. I would like to resolve this issue and ensure my credit report remains accurate and untarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Unsecured loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * Unsecured loan account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX * * Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX  Collection account opened at XXXX on XX/XX/XXXX account number XXXX * * Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX Collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report 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 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 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 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 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 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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. DEPT OF ED 2. DEPT OF ED 3. DEPT OF ED 4. DEPT OF ED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
i have a loss of credit cards they have over 15 hard inquiries on my account that did not belong to me i have reached out to all of them and all the credit company 's same with my loans i do not owe they are being paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I am writing to formally submit a complaint regarding a debt collection company that has failed to provide the correct and complete information I requested to validate an alleged debt. 

I submitted a written request for debt validation to XXXX XXXX XXXX, as provided for under the Fair Debt Collection Practices Act ( FDCPA ). In that request, I asked the company to provide documentation verifying the debt, including the original creditors name, the amount of the debt, and any contracts or agreements bearing my signature. 

To date, the company has not provided the appropriate documentation to validate the debt. Instead, they either failed to respond entirely or sent incomplete or incorrect information that does not satisfy the requirements outlined in my request or the FDCPA. 

This lack of proper response has prevented me from being able to determine the legitimacy of the alleged debt and has caused unnecessary stress and concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: KS

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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