vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: OR

Complaint narrative:
I have disputed an inflated balance reported by XXXXXXXX XXXX XXXX for over two years. 

Despite multiple certified dispute letters sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, XXXX has failed to investigate or validate the charges on my account ending in XXXX. 

They have continued reporting the full balance as owed, despite acknowledging receipt of my notices and failing to respond. This has caused me financial harmincluding the loss of {$50000.00} in home equity credit ( HELOC funding ). 

I have filed an affidavit of non-response, a UCC-1 lien in Oregon ( XXXX # XXXX ), and included certified mail proofs. XXXX continues to report damaging, inaccurate information in violation of the Fair Credit Reporting Act and commercial law. 

I request that the tradeline be corrected to reflect a {$0.00} balance, and that the CFPB intervene to stop XXXX unlawful reporting and failure to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-14 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: OR

Complaint narrative:
I dispute the accuracy of these accounts as they do not belong to me. I suspect they were established through fraudulent means and request their removal following a complete investigation. Supporting materials are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay.

The accounts in question are : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Date : XXXX ) XXXX  ( Date : XXXX ) XXXX  ( Date : XXXX ) XXXX ( Date : XXXX ) XXXX  XXXX ( Date : XXXX ) XXXX  ( Date : XXXX ) XXXX XXXXXXXX XXXX XXXX ( Date : XXXX ) I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to Equifax, Experian, and TransUnion, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts.

Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

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 2025-08-14 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: OH

Complaint narrative:
I am formally disputing multiple inaccurate accounts that have been reported on my consumer report by both a creditor and the credit reporting agencies. These inaccuracies are causing me significant financial and personal harm, and I believe the involved parties have violated multiple consumer protection laws. I am seeking your immediate assistance in ensuring they are held accountable for these violations and that my report is corrected without further delay.

The accounts in question are : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) XXXX ( Date : XXXX ) XXXX  ( Date : XXXX ) XXXX  ( Date : XXXX ) XXXX ( Date : XXXX ) XXXX  XXXX ( Date : XXXX ) XXXX  ( Date : XXXX ) XXXX XXXXXXXX XXXX XXXX ( Date : XXXX ) I have previously put the credit reporting agencies and furnishers on notice regarding these inaccuracies through multiple written disputes, yet no corrective action has been taken. Enclosed are my prior letters to Equifax, Experian, and TransUnion, as well as my FTC Identity Theft Report ( Report Number : XXXX ), which serves as proof of the fraudulent nature of these accounts.

Violations of Consumer Protection Laws These credit reporting agencies and furnishers have failed to comply with federal laws designed to protect consumers, including but not limited to : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation and correct inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681c-2 Failure to block information resulting from identity theft upon proper notification.

Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692g ( a ) Failure to properly validate the alleged debt upon request.

15 U.S.C. 1692b ( 2 ) Unauthorized third-party disclosure of debt-related information.

15 U.S.C. 1692c Engaging in unlawful debt collection communications without my express consent.

Additionally, the misclassification of charged-off accounts may constitute an IRS violation , as charge-offs are treated as gross or ordinary income under IRS regulations. Misrepresenting these as collectible debts on my consumer report is both misleading and legally improper.

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 2025-08-14 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:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
Rocket Mortgage accessed my XXXX  and XXXX XXXX credit reports on XX/XX/year>. Why did Rocket Mortgage access my credit information? Explain why Rocket Mortgage requested my credit information and state how my information was used after Rocket Mortgage obtained it. Identify and provide a copy of any documents that were related to the credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

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 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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was informed that if I refer a friend that I would receive {$100.00} and I did refer a friend and never received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Incident Summary On XX/XX/XXXX, I was contacted by someone pretending to be a SoFi agent. They sent me messages that appeared legitimate, warning me of suspicious activity on my account. They then called me from a phone number that appeared verified and claimed my account had been hacked.

They told me I needed to create a new bank account for security reasons and helped me set it up over the phone. Because I was rushing to work, I trusted them and followed their instructions without realizing it was a scam.

They directed me to wire money which I believed was being moved into my new SoFi account but later found out the funds went to someone elses account ( at XXXX XXXX, per the wire confirmation ). I did not realize this until hours later. 



Proof of Unauthorized Access XXXX. Login History ( Screenshot XXXX ) Shows multiple logins to my SoFi account from both XXXX and XXXX devices that are not mine, using both biometrics and passwords. This proves someone else accessed my account. 
XXXX. SoFi Chat Transcripts ( Screenshots XXXX ) My conversations with real SoFi support after the scam, showing I reported the situation and provided the federal wire reference number. 
XXXX. Scam Text Messages ( Screenshot XXXX ) A fake SoFi fraud alert message asking me to confirm a {$500.00} Apple Cash transaction, followed by instructions to reply and a customer service callback prompt. 
XXXX. Verification Codes ( Screenshot XXXX ) Multiple XXXX and SoFi verification codes sent to my phone, which the scammer likely tricked me into reading or entering, giving them full access to my account. 
XXXX. Wire Transfer Confirmation ( Screenshot XXXX ) Proof the {$610.00} wire went to XXXX XXXX, with the federal reference number. 
XXXX. Scammer Call Info ( XXXX XXXX ) Shows the phone number ( XXXX ( XXXX ) XXXX ) used to call me, which was marked as verified by the carrier but was part of the scam.

What Happened The scammer impersonated SoFi, using convincing texts and calls.

They gained access to my account ( as shown by multiple device logins I did not make ).

They tricked me into wiring funds under the belief I was securing them in a new account. 
The money was instead sent to a third party at XXXX XXXX. 
I notified SoFi immediately after realizing the fraud, but their wire recall attempt was denied because the recipient refused to return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/XXXX, I paid {$490.00} to TSI, a 3rd party collection agency for XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, the payment posted to my bank account. On XX/XX/XXXX, I contacted XXXX to get proof that my account was paid in full. I was told it was not paid and that I needed to contact TSI. My call was forwarded. I spoke to an agent at TSI, who told me that the account was paid as indicated and closed. I asked to speak to a manager and was directed to call back " in an hour ''. When I called back, the agent I spoke with also indicated that my account is paid in full and closed. She participated in a 3-way call with a XXXX agent XXXX who told me I needed to call back because it can take up to 30 days. Meanwhile, the TSI agent told me that their systems are linked and XXXX should be able to see the payment. Nevertheless, I called XXXX back on XX/XX/XXXX, which marked 30 days. That agent told me that 30 days would be XX/XX/XXXX and told call back on Monday. On Monday, XX/XX/XXXX, I called XXXX and that agent asked me to email a copy of the payment receipt I received from TSI. I did and she told me that the letter is dated XX/XX/XXXX, and it can take 30 days. She also told me there is no way TSI collected and reported payment on the same day. She told me she " escalated '' the issue and to call back on Thursday. I called again today, Thursday, XX/XX/XXXX, and the first agent put me on hold but did not return. I also called TSI and received the tracing number for my payment. That agent told me no one from TSI is allowed to speak with anyone at XXXX. I called XXXX back and provided the tracing number. I was placed on hold several times and told " my manager is looking at the account ''. The agent finally came back and told me they have no record of the payment and to call back on Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: VA

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 non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
This supplemental evidence relates to CFPB Complaint ID XXXX. 

Since the original filing, XXXX XXXX XXXX has : XXXX. Begun contacting me by telephone and leaving voicemails instead of responding through the CFPB portal. 
XXXX. Dissolved/closed the account in question and altered the tradeline on my credit reports to include negative remarks. 

These changes occurred after the CFPB complaint was filed and appear to be linked to my dispute. This creates additional issues under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes retaliatory reporting. 

Attached : XXXX XXXX Audio recording of XXXX voicemail ( XX/XX/2025 ). 
XXXX XXXX  Transcript of voicemail. 
XXXX XXXX Credit report excerpts showing tradeline status change, remarks, and any derogatory entries following the CFPB filing date. 

I request that CFPB ensure : XXXX XXXX XXXX responds only via the CFPB portal. 
XXXX corrects or deletes inaccurate/retaliatory credit reporting. 
The original dispute remains active until these issues are resolved in writing.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
This supplemental evidence relates to CFPB Complaint ID XXXX. 

Since the original filing, XXXX XXXX XXXX has : XXXX. Begun contacting me by telephone and leaving voicemails instead of responding through the CFPB portal. 
XXXX. Dissolved/closed the account in question and altered the tradeline on my credit reports to include negative remarks. 

These changes occurred after the CFPB complaint was filed and appear to be linked to my dispute. This creates additional issues under the Fair Credit Reporting Act ( FCRA ) and potentially constitutes retaliatory reporting. 

Attached XXXX XXXX XXXX Audio recording of XXXX voicemail ( XX/XX/year> ). 
XXXX XXXX Transcript of voicemail. 
XXXX XXXX Credit report excerpts showing tradeline status change, remarks, and any derogatory entries following the CFPB filing date. 

I request that CFPB ensure : XXXX XXXX XXXX responds only via the CFPB portal. 
XXXX corrects or deletes inaccurate/retaliatory credit reporting. 
The original dispute remains active until these issues are resolved in writing.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-14 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: South Mississippi Collection Services Inc.
State: AZ

Complaint narrative:
Amount {$230.00} I have no knowledge of. Reporting to credit bureaus date XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

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 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 2025-08-14 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: KS

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief