vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Narrative of Complaint : On Monday, XX/XX/XXXX at XXXX Central Time, I received a call regarding my XXXX XXXX XXXX account. The caller identified himself only as a Chase Bank Representative and refused to provide any further identification, including name or department. When I expressed concern by saying, I dont know who you are from XXXX XXXX a common idiom referencing XXXX and XXXX representative accused me of being XXXX. This accusation was unfounded and inappropriate. 
The call lasted XXXX minutes and XXXX seconds, during which I repeatedly asked for clarification on the purpose of the call and the identity of the caller. The representative eventually stated the call was related to a disputed transaction, but continued to demand personal information without verifying his own identity. I declined to provide further details under those conditions. 
Following this interaction, my account was terminated without resolution of the disputed charges. I was not given a formal explanation, nor was I provided with any documentation regarding the account closure or the status of the dispute. As of today, the account remains closed, and the dispute remains unresolved. 
I am requesting : - A full investigation into the conduct of the representative - Restoration of my account or a formal explanation of its termination - Resolution of the disputed transaction- Assurance that my consumer rights have not been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Problem Description : I am filing a complaint against SoFi Bank regarding two disputed transactions with XXXX XXXX. I paid for merchandise that was never delivered, and XXXX XXXX has refused to issue a refund. SoFi has not returned my money or issued a provisional credit, despite my dispute. 

Details of the Disputed Charges : Order # XXXX Placed XX/XX/year> Package never arrived. 
No merchandise received. 
Merchant has not issued a refund. 
Order # XXXX Placed XX/XX/year> I paid {$24.00} for guaranteed Saturday delivery ( dress and shoes for my daughters homecoming ). 
XXXX marked it as Next Day Saver, meaning the paid delivery service was not provided. 
Items never arrived and my daughter missed her homecoming event. 
No merchandise received and no refund issued. 

Total Loss : Payment for both orders plus the {$24.00} expedited shipping charge. 

Why I Am Complaining : I followed the proper process and disputed these charges with SoFi because I did not receive the goods I paid for. The merchant failed to deliver the merchandise or issue a refund. 
SoFi has not returned my money and has not issued a provisional credit, even though the products were never delivered and I provided evidence.

What I Want : A full refund to my original payment method for both orders, including the paid expedited shipping.

If SoFi needs additional time to investigate, I am requesting a provisional credit while the dispute is reviewed, as required under consumer protections for undelivered goods.

I have attempted to resolve this directly with XXXX XXXX and provided SoFi with documentation, but the dispute remains unresolved and I am still without my money. I am requesting CFPB assistance to have SoFi complete the dispute properly and issue my refund or provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$47000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally express my disappointment and frustration regarding the lack of assistance I have received from Ally Bank during a difficult financial and personal situation. I have been a loyal customer for nearly five years and have consistently made my vehicle loan payments on time. Despite this history of reliability, I have been denied any form of payment assistance when I needed it most. 

My vehicle broke down and the repair costs are estimated to exceed {$4000.00}. I currently owe approximately {$7000.00} on the loan. I contacted Ally Bank to request a temporary payment deferment or an extension that would allow the missed payment ( s ) to be added to the end of my loan term. I was informed that I did not qualify for assistance. 

This was extremely discouraging, especially considering my consistent record of on-time payments and responsible account management. Instead of offering any flexibility, I was told that I could surrender my vehiclean option that would severely damage my credit. This response shows a clear lack of empathy and support for loyal customers who face unexpected hardship, particularly during challenging economic times. 

In this challenging economy, consumers need financial institutions that are willing to show understanding and flexibility. Unfortunately, my experience with Ally Bank has shown the opposite. I am requesting that this decision be reconsidered and that Ally Bank review my account to provide a fair resolution, such as a temporary payment deferment or alternative hardship assistance. 

I sincerely hope that Ally Bank re-evaluates how it supports customers facing hardship and considers the long-term relationships it risks losing by refusing to assist responsible borrowers in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
BRIDGECREST Inaccurate Information : Reported late after payoff ; inconsistent balances and dates. 
Violations : FCRA 607 ( b ) Inaccurate reporting.

FDCPA 807 ( 2 ) ( A ) False delinquency.

Violations : 4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint is regarding a Citicards CBNA secured credit card account that is being reported under my former legal identity and shows multiple late payments and charge-off status. 

My legal name has been officially changed from XXXX XXXX XXXX XXXX to XXXX XXXX by a U.S. court order. Although my Social Security number remained the same, there is no valid contract or agreement under my current legal name authorizing this account. 

The account was opened under a previous legal identity that is no longer in use. Citicards continues to report negative information ( including late payments and charge-off/paid profit and loss ) under a name that is no longer legally mine. 

Under the Fair Credit Reporting Act ( FCRA ), only accurate, current, and legally verifiable information may be reported. If Citicards can not verify this account with a valid agreement or contract under my current legal identity, I am requesting that this account be deleted from my credit reports rather than updated. 

I am not claiming identity theft. I am stating that this account does not legally exist under my current identity and can not be verified under my new legal name.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Phone : XXXX Subject : Cease and Desist Regarding Debt Collection Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of a debt you claim I owe, identified by account number XXXX. I have no obligation to pay this debt, as I believe it is not legitimate and does not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you cease all communication regarding this alleged debt until you can provide verification of its legitimacy. 
Please provide documentation showing that I am responsible for the debt in question. If you continue to pursue this matter without appropriate verification, I will have no choice but to take further action to protect my rights. Thank you for your attention to this matter. I expect your prompt response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-31 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: OK

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 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I continue to get harassing phone calls from First Federal Credit Control INC and they keep sending me a bill. Through email regular mail and phone calls. The same person who calls did not tell me her name and I gave her the confirmation number paid receipt and text message it was paid and this continues. I feel harassed and threatened buy her behavior. And I do not want her reporting negative reporting on my credit. I want her to stop reaching out, in all capacities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 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 2025-10-31 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 response to consumer: Closed with non-monetary relief