vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I applied for a personal loan through XXXX. From the outset, I was consistently reassured that my application was in good standing and that only one additional piece of documentation was needed. XXXX was fully aware from the beginning that my XXXX business tax returns were on extension. This is a routine and lawful practice for business owners. 

I provided complete tax returns for XXXX and XXXX. At no point was I advised that the absence of XXXX returns would present a problem. I offered to provide current-year financial statements, but XXXX repeatedly stated this was unnecessary and confirmed they had everything required to proceed. 

Had I been given accurate information, I would not have continued with the application process or began it in the first place, especially knowing it involved a hard credit inquiry that negatively impacted my credit. Instead, I was misled and repeatedly reassured, only to have my application denied at the last minute. The stated reason was that XXXX was unable to verify income due to the absence of XXXX tax documentation, even though they had told me this was not required. 

This conduct constitutes deceptive and unfair practices under the UDAAP provisions of the Dodd-Frank Act. XXXX misrepresented material facts, withheld critical information, and caused financial harm by inducing me to proceed under false pretenses. 

I am currently evaluating legal options and expect to obtain legal counsel to pursue this matter further. I respectfully request that this case be reviewed for regulatory enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-05 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-06-05 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XX/XX/XXXX, I made contact via email and phone with XXXX XXXX at XXXX ( XXXX XXXX XXXX, XXXX, OK XXXX ) concerning the purchase of a XXXX XXXX XXXX truck. After multiple emails and phone calls, the agreed upon price was {$20000.00} plus {$500.00} for shipping of the truck from XXXX Oklahoma to XXXX XXXX New Mexico. XXXX kept delaying on providing both an invoice and the banking information to complete the transaction. On XXXX XXXX he provided a Bank of America bank account number XXXX under account holder XXXX XXXX XXXX. On XXXX XX/XX/XXXX2025 my dad wired the money and XXXX provided an invoice. He also stated in a different email that his delivery driver XXXX ( phone number XXXX ) would be calling us in the morning but the delivery would take place on XXXX XX/XX/XXXX. On XXXX XXXX XXXX never called so I called XXXX who stated that the truck would be delivered between XXXX and XXXX XXXX  Mountain. Needless to say, neither XXXX or the truck arrived and he was not answering the phone. Multiple messages by my dad and myself were left for XXXX and XXXX with no response on subsequent days following the originally planned delivery day. At this time multiple calls have been made to XXXX and Bank of America with no one answering. My dad 's banking institution stated that they would call Bank of America to try and recover the transfer but they have refused to respond.

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 2025-06-05 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 a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-05 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: DISCOVER BANK
State: AZ

Complaint narrative:
1.You have reported private financial information about me to third parties including but not limited to Consumer Reporting Agencies that is harming me. 2. I am not in receipt of any document which verifies your furnishing company obtained my consent to share my information with third parties including but not limited to any Consumer Reporting Agencies. 3. Your " Customer Agreement '' has an impaired disclosure, as it fails to disclose the consumers right to direct that such information not be disclosed ( opt-In consent ) ; and fails to provide the consumer with instructions on how the consumer could exercise that non-disclosure option as defined by the GLBA 15 USC 6802

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Smith Carroad Wan & Parikh, P.C.
State: WA

Complaint narrative:
I received a letter from [ Law Firm Name ] dated XXXX XXXX, 2025, regarding an alleged balance due. However, the account they are referencingwith XXXXwas closed over a year ago, and no money is legally owed. In fact, XXXX has already held our full reserve funds, and now they are trying to collect additional unknown charges without basis. 
Details : The letter was dated XX/XX/XXXX but only arrived in my mailbox on XX/XX/XXXX. I have another letter dated XX/XX/XXXX which my buisness partner resolved as well. 
I was out of the office and only opened the message on XX/XX/XXXX. 
The letter states that they are demanding for payment, yet this is misleading because the account has already been closed for over a year. 
XXXX has held our reserve funds this entire time, and nowsuddenlythey are making new, unexplained claims. 
There has been no clear explanation or itemized statement showing what these new charges are or how they were calculated. 
This appears to be an unjustified and unsupported attempt to collect money from an inactive, already-settled account. 
Why this is a problem : This action feels predatory and abusive, especially given the time lapse and lack of transparency. It may violate the Fair Debt Collection Practices Act ( FDCPA ) due to : Lack of proper validation of the debt Attempting to collect from a closed, inactive account Withholding our reserve and then seeking additional funds without documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a statement in XXXX of XXXX  saying that I owed on an advancement that they had paid on penalties and taxes for XXXX for {$6500.00}. I called my tax accessor and they confirmed that Wells Fargo made an overpayment and they were sent a refund. Wells Fargo refunded my escrow and then added an advancement for the {$6500.00} that they are now saying was for bankruptcy and foreclosure fees. I have never have filed for bankruptcy or had a foreclosure of the property. They have caused me to loose 2 buyers of my property becasause they will not remove the advancemt. I had the case manager give me a fax number saying it was her direct line. Her name was XXXX XXXX and her extension is XXXX. She was absolutely awful to me. I have had several tex department reps confirm they made a mistake with this but would need legal to remove the advancement but no one ever does or calls me back. Then they sent a letter in the mail saying I was now again charged penalties and interest and that I owed them the {$6500.00}. I got my tax accessor to get on the line with them and explain to them I never had any late payments for penalties. Everything was paid on the property on time. I have sent all the documents to prove this. I am still dealing with them and I still can not sell my home.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-05 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: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting incorrect and inaccurate information on my credit reports and is in current violation with FCRA credit reporting laws and Metro 2 CDIA standards . In particular, they are violating XXXX USC cXXXX XXXX  XXXX which is now deemed fraud. I have filed a complaint with the Texas attorney 's general office

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting incorrect and inaccurate information on my credit reports and is in current violation with FCRA credit reporting laws and Metro 2 CDIA standards . In particular, they are violating XXXX USC cXXXX XXXX  XXXX which is now deemed fraud. I have filed a complaint with the Texas attorney 's general office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMET has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Oliphant United, Inc.
State: CA

Complaint narrative:
I filed a formal complaint with the CFPB against Oliphant USA ( CFPB Case # XXXX ), and the company responded stating they would delete the tradeline and cease all collection activity. Despite this written commitment, on XX/XX/year>2025, Oliphant newly reported this tradeline to XXXX, where it had never previously appeared this is not just a failure to delete, it is an escalation and retaliatory action. 

This violates the Fair Credit Reporting Act ( FCRA 15 USC 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692e ) for misleading, inaccurate, and deceptive credit reporting.

I formally requested validation of the debt, including : Original signed contract Full payment history Proof of assignment or legal right to collect Oliphant failed to provide any of the requested documents and instead resumed collection activity through direct texts and this new tradeline.

I am requesting : Immediate and permanent deletion of this tradeline from all three bureaus Written confirmation that all collection attempts will cease immediately Full investigation into their noncompliance and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : 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 non-monetary relief