vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Address Report # XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate removal of an inaccurate address that has been reported on my credit file. Please consider this letter as notice under the Fair Credit Reporting Act ( FCRA ) to correct or delete the following incorrect information from my credit report : Incorrect Address to be Removed : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX Report Reference Number : XXXX This address is not associated with me in any current or previous capacity and was added to my file in error. Its continued presence on my credit report is causing confusion and may lead to the misrepresentation of my identity and credit history.

I request that you promptly investigate this matter and remove the inaccurate address from my credit file. 

Please confirm in writing that the disputed information has been removed and provide me with an updated copy of my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-06-26 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : Immediate Demand for Release of Funds Following Unjust Account Closure To : XXXX XXXX XXXX, XXXX XXXX : SoFi Technologies , Inc . 

Date : XX/XX/XXXX Dear XXXX XXXX & CFPB XXXX XXXX : I am writing to demand the immediate release of over {$4000.00} that remains in my SoFi bank account, which was closed today, XX/XX/XXXX, without prior notice, explanation, or any valid justification. It is my belief that my account was closed abruptly as a result of direct retaliation from XXXX for prior complaints Ive filed against the Bank for previously limiting my funds meriting immediate escalation today. 



This abrupt closure has blocked my access to urgently needed funds, including for medical purposes. As the account holder, I have a legal right to access funds lawfully deposited in my name. XXXX refusal to allow transfer or withdrawal upon demand XXXX constitute a wrongful dishonor and violation of California XXXX XXXX XXXX, which recognize a banks obligation to honor a customers instructions unless a legal basis exists for refusing payment. XXXX conduct here shows no such basis. 



I hereby demand : XXXX authorization to transfer the full remaining balance to another account in my name, or Overnight delivery of a cashiers check in the full amount to my verified mailing address. 




If not resolved by the close of business today, I will pursue all available remedies, including : Filing complaints with the California Department XXXX XXXX XXXX and XXXX and the XXXX, Notifying XXXX XXXX XXXX I-Team regarding this unlawful withholding of consumer funds, and Exploring civil action for any resulting damages related to retaliation of this closure. 


XXXX has closed my bank account in retaliation for previously filed CFPB complaints, meriting immediate release of my funds today or overnight checks of my balance XX/XX/XXXX. 

Please confirm in writing that my funds will be released today and provide tracking if a check is sent. 



Best, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX M.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, in accordance with 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this provision, I am entitled to a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your responsibilities under 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 explanation
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX BANK XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XX/XX/XXXX# XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I made a purchase from a XXXX XXXX  location with my TD bank card .the amount for the day in question is XXXX. 
My card declined at the kiosk, I then paid cash and thought nothing of it. 
I log into my Td app, it says that the charge is processing, I call them immediately and explain the situation. 
About a month or so later, I'm told by td bank to provide proof that I paid in cash, I had no receipt at the time. 
Confused and frustrated, I reached out to XXXX  XXXX  XXXX via email and explained that my card said declined in the day in question XXXX XXXX XXXXXXXX XXXX, in fact emailed me that yes my card declined for the XXXX and I paid cash. 
TD bank is discriminating and being neglectful and stealing funds through theft and cohesion. 
Td bank claims that unless I bring in or fax a receipt, I'm liable. I was told previously that because td bank reached out to XXXX XXXX and got no response. Yet I got email proof of me getting the records In 48 hours.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-26 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: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Upon reviewing my credit report, I identified three credit card accounts that were fraudulently opened or used without my authorization. I was unaware of this identity theft until now. One of these accounts has already been placed in collections, and I have recently discovered an additional collection account now appearing on my credit file. 
These entries are unauthorized, inaccurate, and the direct result of identity theft. They have had a serious and unjustified impact on my credit standing. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2, 1681i, and 605B ), I respectfully request a thorough investigation and the prompt and permanent removal of all unverifiable and fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>

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 2025-06-26 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: CA

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reportin

g agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-06-26 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: NCB Management Services Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Deletion of Inaccurate Account Account Number : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NCB Management Services Inc . 

To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of the above-referenced auto loan account that appears on my credit report.

This account is fraudulent, inaccurate, and unverifiable, and must be immediately deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my prior dispute, the credit bureaus have simply stated that the item was verified, and claim the account belongs to me. However, this conclusion lacks merit and proper substantiation. Simply stating it was verified does not satisfy the legal requirement of providing documentation showing I am financially responsible for this account.

Key Points of Dispute : No Contract or Signature Provided : I have never received a copy of a signed contract, original loan application, or any legitimate documentation proving this account belongs to me. If you claim this account is mine, produce the original contract with my signature immediately.

Possible Fraud or Identity Theft : This account may be the result of identity theft or mixed file reporting. I do not acknowledge this debt, and your continued reporting without validation is a direct violation of 15 U.S.C. 1681s-2 ( b ).

Reporting Conflicts & Legal Violations : Charge-off status and sold/transferred status are both present yet the balance remains and updates continue. 

The account was allegedly closed and sold in XXXX, yet it was reported again as recently as XX/XX/XXXX, which XXXX constitute re-aging, a clear FCRA violation. 

Inadequate Investigation : A blanket response stating " verified '' with modified fields is not a reinvestigation as required under 15 U.S.C. 1681i. You are required to : Conduct a reasonable investigation, Provide me the method of verification, And if unverifiable, delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Immediate Deletion of Inaccurate Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern : I am writing to formally dispute the accuracy and legitimacy of the above-referenced auto loan account that appears on my credit report.

This account is fraudulent, inaccurate, and unverifiable, and must be immediately deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my prior dispute, the credit bureaus have simply stated that the item was verified, and claim the account belongs to me. However, this conclusion lacks merit and proper substantiation. Simply stating it was verified does not satisfy the legal requirement of providing documentation showing I am financially responsible for this account.

Key Points of Dispute : No Contract or Signature Provided : I have never received a copy of a signed contract, original loan application, or any legitimate documentation proving this account belongs to me. If you claim this account is mine, produce the original contract with my signature immediately.

Possible Fraud or Identity Theft : This account may be the result of identity theft or mixed file reporting. I do not acknowledge this debt, and your continued reporting without validation is a direct violation of 15 U.S.C. 1681s-2 ( b ).

Reporting Conflicts & Legal Violations : Charge-off status and sold/transferred status are both present yet the balance remains and updates continue. 

The account was allegedly closed and sold in XXXX, yet it was reported again as recently as XX/XX/XXXX, which may constitute re-aging, a clear FCRA violation.

Inadequate Investigation : A blanket response stating " verified '' with modified fields is not a reinvestigation as required under 15 U.S.C. 1681i. You are required to : Conduct a reasonable investigation, Provide me the method of verification, And if unverifiable, delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation