vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX XXXX  XXXX ] [ 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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX i received a XXXX payment from a buddy of mine to my TD bank checking account 1 for {$10.00} and the other for {$1000.00} shortly after i tried to add some money to my XXXX  but it wasnt working then I checked and it says my account was locked I called the bank they said it was just my debit card locked so I just had to verify the transaction the rep put in a request to unlock my debit thats when shortly after that same day my account was locked for fraud I had a balance of {$1000.00} I was told that after the account closes theyll send me a check the account has been closed for a while now and I still havent received a check for the remaining balance Ive called multiple times but they all say the same thing that after the account closes I should receive a check in 7-10 business days its now XX/XX/year> and still no check in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
I am formally demanding an immediate investigation into the collection and/or charge-off accounts your company has furnished to the credit reporting agencies. The information currently being reported is inaccurate, incomplete, and unverified, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611.

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 2025-11-20 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: NY

Complaint narrative:
I am a consumer actively working to correct the inaccuracies in my credit report. Below are the details of the disputed accounts for each credit bureau : Charged Off Accounts : XXXX  Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Inquiries : XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX  Account Number : XXXX XXXX  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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>2025 I refinanced a loan I held with SoFi with a new lender. The new lender sent a payoff check to SoFi in the amount of {$37000.00}, which SoFi received and applied to my account on XX/XX/scrub> 2025. The amount of the loan held by SoFi at the time of receipt was {$37000.00}, leaving an overpayment of {$510.00} on the SoFi account. Despite attempts to inquire when the money will be transferred either to me or to the new lender, I am unable to get a concrete answer from SoFi on the status of my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
Fraudulent information on my credit report someone using my information opening credit cards and keep applying for the credits. FTC report included with this complaint.

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 2025-11-20 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 am writing to dispute several items on my credit report and to report a possible data breach in accordance with the Fair Credit Reporting Act ( FCRA ). 
Personal Information : Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Credit Report Date : XX/XX/XXXX Current Score : [ Your Score ] Items in Dispute : 1. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Positive Date Opened : XX/XX/XXXX Balance : {$3000.00} Reason for Dispute : There appears to be an error in the reporting of this account. I request verification and correction of this account, as required under FCRA Section 607 ( b ). 
2. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Negative Date Opened : XX/XX/XXXX Balance : {$620.00} Reason for Dispute : The reporting of this account as a charge-off is inaccurate. The payment history also appears to have discrepancies, potentially violating FCRA Section 623 ( a ) ( 1 ) ( A ). Please review and correct this information.

3. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Negative Date Opened : XX/XX/XXXX Balance : {$320.00} Reason for Dispute : The status of this account as charged off and the recorded late payments may not be accurate, potentially violating FCRA Section 605. Please review and correct any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: DE

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX - XXXX ] Account Number : [ DEPTEDXXXX  - XXXX ] Creditor Name : [ DEPTEDXXXX XXXX XXXX ] Account Number : [ DEPTEDXXXX  - XXXX ] Creditor Name : [ DEPTEDXXXX - XXXX ] Account Number : [ DEPTEDXXXX XXXX  XXXX ] Creditor Name : [ DEPTEDXXXX XXXX XXXX ] Account Number : [ DEPTEDXXXX XXXX XXXXXXXX ] Creditor Name : [ XXXX XXXX - XXXX ] Account Number : [ XXXX XXXX - XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ ]

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 2025-11-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This is an escalation of CFPB Complaint Number XXXX. My original complaint concerned Navy Federal Credit Union 's critical error in funding a Home Equity Line of Credit ( HELOC ) despite an existing, prior lien ( a UCC-1 filing ) on the property, which their title search should have identified.

Navy Federal 's response, provided on the 58th day, was entirely non-responsive. It failed to even acknowledge the existence of the prior lien, which is the central and undisputed fact of this case. This indicates a refusal to address their own underwriting failure.

This error has created a title defect on my property. Navy Federal 's lien is now improperly positioned behind the prior lien, which jeopardizes my ability to sell or refinance my home and constitutes a cloud on my title.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
A company contacted me several times trying to fraudulently get information and to get me to agree to a debt that they didnt even know the name of They finally admitted that they had the wrong name after they attempted to get information from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-11-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The CAP ONE AUTO loan for {$24000.00} wasnt mine and it was put in bankruptcy by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I disputed an unauthorized charge to my bank account for {$50.00}. After the dispute was completed on or about, XX/XX/year>, they mailed me a letter sometime after that, by mail on XX/XX/year>, a whole month later, and when I called the bank about this, if I didn't agree with their resolution, that I could fax in a letter. But it takes two days for them to receive the fax because of the processing time, forbidding me from getting the letter in and today is the XXXX. This isn't fair. The bank had amp time to send me a letter when they completed the dispute back on XX/XX/XXXX and allow me enough time to speak with them about it, where they failed to do that. 

Moreover, I did not authorize this charge as they indicated, I never paid for any relationship advice, the advice I receive from this company is free and I still receive that free information, without being charged. I have no idea how my account was charged with these {$50.00} dollars, but I certainty did not do it. They stated that I authorized this transaction or made by someone else who has permission to use the card or account. Not true because of the following reasons stated above. 

The bank issued a temporary {$50.00} dollars back into my account, along with fees related to this claim and they are removing that credit on XX/XX/year>, which is the five days i have to fax in a letter telling them that I disagree with their decision.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: NCP Holdings, L.P.
State: AZ

Complaint narrative:
I had an installment payment changed to XX/XX/year>. I made this change over the phone on XX/XX/year> with a live agent. She said I would need to call in to make that payment but that was when it was now due. They withdrew XXXX on XX/XX/XXXX and withdrew over my money limit. I called they said yes it was a system error. Give them 48 hours to refund and screenshots of the fees I got charged to the email XXXX. I told them I no longer authorize them to debit my account. No updates. I called again today they said other department needs proof. I already sent multiple times. They won't communicate. They won't let me talk to a supervisor. Everyday they dont refund my account goes more negative. I cant pay any bills or buy gas.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-20 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: NC

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), XXXX  ( XXXX ), and TransUnion ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts Charged Off Accounts : XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1400.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$320.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$340.00} Inquiries : XXXX/XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX Late Payments : XXXX XXXX  XXXX, Account Number : XXXX Positive Accounts : 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