vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-07 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$15000.00} Charged Off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Charged Off XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX Balance : {$1600.00} Charged Off XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$6400.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
Several years ago I opened CDs with XXXX XXXX XXXX. I never received anything from them either in email or regular mail. They never provided me with an account number or the status of the CDs. Last year I got a 1099 for interest received but no 1099 interest for XXXX. They only provided the last four digits of the account number and said they couldn't find my account without the full account number which they never gave me. This week I found out that they had acquired another bank that I had deposits in. They never let me know that they acquired these CDs from my other bank and now I have {$500000.00} in their Bank which is over the insurance limit. I have the original CDs from the original Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I called them and gave them the account numbers of the virtual bank CDs and they said they don't recognize the numbers. They refuse to let me into my account or to give me any information on it. They told me to go online and login but in order to log in I have to have the account number and they have never given me the account number or any other information since I opened the CDs with them. In addition they have never given me any information or correspondence on the money they acquired through virtual bank and say they don't have any record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I filed a dispute for XXXX XXXX XXXX account XXXX due to incorrect information reported. Experian denied to follow up with the investigation. I have contacted the company for verification of account multiple times and have not received any response from them. They have not issued any verification of reported account. They have an incorrect address in which it is not my address associated to their account. I have sent multiple emails to their support email for assistance regarding the account with no response. I have also mailed them letters requesting verification. Experian refuses to delete the account off my account without verifying the information. Experians investigation is incorrect and incomplete. I recently was notified that CFPB has filed a lawsuit against the company Experian. They have alleged the company is accepting unreliable information and fails to notify consumer dispute results. This aligns well with my current situation. Experian has not attempted to remove nor correct any information that I have disputed. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian is violating my rights as a consumer, as well as federal 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 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Issue Summary : Edfinancial Services has repeatedly provided inaccurate balance information and failed to properly apply my payments under the SAVE Plan : Incorrect Balance Reporting In XX/XX/XXXX, Edfinancial falsely claimed my balance was {$100000.00} After my initial complaint, they " corrected '' it to XXXX XXXX XXXX XXXXXXXX higher than the legitimate Their own XX/XX/XXXX records show the true principal balance was {$99000.00} Misapplied Payments From XX/XX/XXXX through XX/XX/XXXX, I made 9 payments of XXXX ( XXXX ) All payments were incorrectly marked as " {$0.00} principal reduction '' in their system This violates SAVE Plan regulations requiring payments to reduce principal balances Unlawful Interest Charges The {$260.00} of interest charge still showing in the account when federal guidelines clearly prohibit interest charges during SAVE Plan forbearances. 

Documented Timeline of Errors : XX/XX/XXXX : Valid balance confirmed at {$99000.00} ( per Edfinancial 's records ) XX/XX/XXXX : Balance suddenly inflated to {$100000.00} without justification After Complaint : Balance reduced to {$100000.00}, still containing unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
XX/XX/XXXX bank statment says purchase authorized when calling the # it says it is fraud XXXX XXXX then on XX/XX/XXXX ist says Purchase authorized on XXXX XXXX  XXXX XXXX XXXX all say done in XXXX  took out {$3200.00} without our approval!!!!! 
Wells Fargo says they investigated it ( which they did not ) and wont give us our money back Which is alot of money to us.

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 monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-04-07 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: VA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( o ) Civil Liability for Negligence and 15 U.S.C. 1681 ( n ) Civil Liability for Willful Noncompliance. Upon reviewing my credit report, I discovered that TransUnion has reported inaccurate and/or unverifiable information, despite my previous attempts to dispute the matter directly with them. The following incorrect information remains on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Unverified Account Creditor Name : XXXX Account Number : XXXX Nature of Dispute : Unverified Account Creditor Name : XXXX Account Number : XXXX Nature of Dispute : Unverified Account Creditor Name : XXXX  Account Number : XXXX Nature of Dispute : Unverified Account Account Under the FCRA, consumer reporting agencies and furnishers of information are required to maintain accurate credit reports and conduct reasonable investigations when consumers dispute inaccuracies. However, TransUnion has failed to comply with these legal requirements by failing to investigate, failing to provide verification, refusing to remove inaccurate information. This negligence and noncompliance have caused financial harm, including but not limited to loan denials, increased interest rates, emotional distress. I am requesting the CFPB to conduct an investigation into this matter and ensure that TransUnion complies with federal law by correcting or removing the inaccurate information from my credit report. Additionally, I seek confirmation of any enforcement actions taken against the responsible party. I have attached supporting documentation, including copies of my credit report, previous dispute letters, and any responses received from TransUnion for your review. I appreciate your immediate attention to this matter and look forward to your response. Please contact me at your earliest convenience to confirm receipt of this complaint and provide updates on the investigation.

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 2025-04-07 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: PA

Complaint narrative:
At the beginning of XX/XX/ 2025 I received an email from Experian stating that one of my accounts has fallen more than 30 days past due. Once I logged in I saw that it was for my car payment. My credit score was docked more than XXXX points. I work very hard to make this payment so when I saw this I was obviously very distraught. I'm a single mom working hard to get my score where it needs to be so that I can finally buy a home. So I immediately submitted a dispute with documentation directly from the creditors website. But, apparently that wasn't enough. Because I waited nearly 30 days just for them to deny my proof and leave it as is. It still says payment late as of XX/XX/2025. It's clear that there was no investigation done. If there was an investigation done it wasn't done correctly. Because I submitted the same dispute with XXXX and it was corrected. Im currently working with an attorney who is going to be dealing with XXXX errors that I haven't been able to remove on my own. My next step would be to submit this information to them. Below I submitted documentation of what I sent in with my dispute and I've also added another document from the creditor 's website with the current 90-day account history. Along with other forms proving that these payments were made. 
The attachment ending on XXXX XXXX is the one that I submitted to Experian. The attachment ending in XX/XX/XXXX is the most recent account statement.

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 2025-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
When I bought my house i put the order for internet service when the guy came, he was charging me amount {$350.00} something that was cancelled but he didn't care what I told him. Them I called XXXX XXXX told them that order was cancelled few days ago, and they said that they will uncharged that and now i am a collection for something I never agreed to pay and to do anything on my house. This is unacceptable charge

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 2025-04-07 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: DE

Complaint narrative:
My ex fianc and ex-boyfriend used my identity fraudulently. I have evictions, cars, etc on my credit report that I did not do. My identity was also stolen with the IRS now I have to use a identity pin number every year. The credit bureaus say that since correct information was used, they can not remove it from my credit report.

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 2025-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
In XX/XX/year>, I applied for a loan with SoFi to consolidate my existing SoFi loan with a small loan for my daughter with the XXXX XXXX. XXXX servicer XXXX. I applied for the loan and was told several times that the loan was successfully in process, that the money had been funded and even sent to XXXX for my daughter 's loan. Over the next 2 months, I didn't see any movement on the loan and my daughter 's balance was never decreased with XXXX, so I checked periodically with SoFi and was told repeatedly that everything was as it should be. So, when the disclosure paperwork came in, I called and asked why the smaller loan wasn't included with my refinance balance. I was told not to worry and the loan had been funded. Now that I have all the paperwork in, I can see that someone at SoFi, and this has been confirmed by their servicing department, disqualified my daughter 's loan from the refinance but NEVER TOLD ME. So, all they have done is refinance my existing loan at a 4.74 % to a new loan at 6.08 % costing me thousands of dollars in extra fees. This is the definition of predatory lending. They had every opportunity to notify me of this change and didn't. I've called and asked them to make this right and they won't. I need help to get resolution from them, and my only ask is to reinstate the old loan I had before they unilaterally made the change to my requested loan without telling me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE BANK USA Account Number : XXXX Please remove it from my credit report They put a balance that did not correspond to me, I tried to fight it I reported it and they never removed it from my credit report. I paid the debt so as not to affect my credit and they still hurt my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank claims I owe them money for a renewal on a card I cancelled. They have charged me interest for several months on the renewal fee despite my having cancelled the card on a recorded line. 
I have spent over XXXX hours on the phone with them only to be sent in circles. 
They then reported the unpaid amount to the credit bureaus. Dropping my score fro XXXX to XXXX. Further checking has proven this drop to be all caused by CITIBANK.

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 monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had three XXXX XXXX accounts and they were all involved in identity theft back in XXXX. XXXX XXXX did not investigate the accounts properly and now Portfolio Recovery Assocaites had purchased the dept from XXXX and they have reported negative information to my credit profiles without any warning that it was going to take place. I am trying to fix my credit from my identity theft back in XXXX. I need this information reported by Portfolio Recovery to be removed from my credit profile.

Company response to consumer: Closed with explanation