vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NY

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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
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: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XX/XX/year>, Shellpoint Mortgage ( my processor ) has banners on its website advertising " Mortgage Assistance ''. 

I clicked on the banner to apply for mortgage assistance since I was struggling financially. I also called them, and they explained what they offer for mortgage assistance- they allow XXXX month 's skipped payment followed by extra payments for the next XXXX months to make up for the missed amount. The person on the phone told me that I could skip XXXXXXXX XXXX  payment and start making the higher payments on the last day of XXXX, continuing for XXXX months after that. I agreed and she scheduled those auto payments to come out of my account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I followed the program and schedule exactly as outlined. 

At the end of it, they tell me that I owe them an additional XXXX in default interest because of late payments. 

I called them and said that no one ever informed me about this before signing up for the mortgage assistance program. Because if I had known this was going to be the consequence, I would have chosen not to go for their mortgage assistance program. 

This is predatory in nature - I was already strugling and was needing help- they advertised help but hidden underneath was predation. I was not given proper information about their 'help '.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 dispute the late payment information being reported by these creditors. Please verify the records with documentation of each alleged late payment, including the original payment history. If accurate documentation can not be provided, I request that these negative marks be removed and the payment history corrected. 

XXXX. Late Payments Creditor : 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 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Bank of America , block information appearing on my XXXX XXXX consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a depository account opened at Bank of America XXXX XXXX XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX XXXX consumer report. I do not recognize the aforementioned depository account. The aforementioned depository account, collection, and hard inquiries appearing on my XXXX XXXX consumer report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned depository account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint, a clear copy of my government issued identification, my original social security card, my social security statement, and my XXXX  XXXX utility bills to verify my correct residential address at the time of this unauthorized depository account being opened as proof from the XXXX Federal Trade Commission that the aforementioned XXXX XXXX consumer account, collection, 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 2025-11-19 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-19 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I asked Citibank to move my XXXX XXXX XXXX  account ending in XXXX to a XXXX month XXXX ending in XXXX. They told me XXXX to XXXX business days. They didn't do it. Each time I have called they say they will expedite the request. Wait XXXX to XXXX business days. I called XXXX more times with the same answer. They now say there's a problem at their end and I should wait another XXXX to XXXX days. This is ridiculous. I am losing interest on the funds every day. I want this resolved now and my interest should be backdated to XX/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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-19 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
This serves as my official objection to the referenced accounts. I do not recognize them and did not consent to their creation. I request their immediate removal and a full examination. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Dear Sir/Madam, I am writing to dispute inaccuracies on my Equifax credit report. The following accounts contain errors that violate the Fair Credit Reporting Act ( FCRA ), and I am requesting a full investigation into these discrepancies. 
FCRA Violations : XXXX. Incomplete or Inaccurate Information : Incomplete details, such as missing payment history and incorrect balances, violate Section 1681e ( b ) of the FCRA. 
XXXX. Data Breach Concerns : Some accounts reflect data breaches or inaccurate reporting, violating Section 1681c of the FCRA.

3. Failure to Provide Adequate Dispute Resolution : Several accounts marked as " disputed '' have not been adequately investigated within the legally required XXXX-day timeframe, violating Section 1681i of the FCRA. 
Disputed Accounts on Equifax Report XXXX. XXXX o Account Type : Revolving o Account Status : Positive o Discrepancies : Incorrectly reported as " positive '' when I have no record of payments for this account. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account Type : Installment o Account Status : Positive o Discrepancies : Incorrect balance information for this account. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) o Account Type : Collection o Account Status : Negative o Discrepancies : This account was settled but is still showing an unpaid balance and is listed as a collection. 
XXXX. XXXX XXXX XXXX ( XXXX  XXXX  ) o Account Type : Collection o Account Status : Negative o Discrepancies : The account is incorrectly marked " in dispute '' and " charged off. '' XXXX XXXX XXXX XXXX XXXX XXXX ) o Account Type : Collection o Account Status : Negative o Discrepancies : This account is incorrectly reported as " charged off '' when it was settled. 
Verification of Identity : I have enclosed a copy of my government-issued ID and a utility bill to verify my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: FL

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App closed my account for alleged gambling activity but refuses to identify the transaction, provide documentation, or allow a Regulation E dispute. Their CFPB response was incomplete, and they have now closed the case without addressing the core issue. 

Cash App told me my account was permanently closed due to a Terms of Service violation involving gambling activity. I repeatedly requested : 1. The specific transaction they are referring to 2. The date, time, and amount 3. The reason their system classified the transaction as gambling 4. Whether the decision was made by automated fraud detection or a human reviewer 5. Any supporting documentation Cash App refuses to provide this information. 

I filed a previous CFPB complaint on XX/XX/year>. Cash App responded with a generic template letter that simply restated their Terms of Service. They still did not identify the transaction in question, and they ignored the legal issues I raised. 

On XX/XX/year>, Cash App followed up and sent me a message saying : We understand you may not be satisfied with our final response Now that were closing this case, youll need to start a new support case next time you need help. 

This confirms that they closed my complaint without providing the information I requested and without addressing the central issue. 

Their refusal prevents me from disputing or correcting a possible transaction misclassification, which is covered under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E ( 12 C.F.R. 1005.11 ).

Their actions also raise concerns under the Consumer Financial Protection Act ( 12 U.S.C. 5531 & 5536 ) because their conduct is : Unfair I can not challenge an allegation when they refuse to disclose the transaction Deceptive They imply gambling activity but provide no evidence Abusive They use their discretion to block my ability to dispute a potential error Cash App has the right to close an account, but they do not have the right to : Apply a fraud or gambling label without evidence Refuse to disclose the transaction involved Block a consumer from filing a valid Regulation E dispute Ignore federal error-resolution requirements Close the case without addressing the complaint I am requesting that the CFPB require Cash App to provide : 1. The exact transaction ( s ) they claim were gambling 2. The date, amount, and sender/recipient 3. The reason for the classification 4. Whether the determination was made by automated fraud detection 5. All supporting documentation 6. A complete response to my Regulation E error dispute Without this information, I can not challenge or correct a potential error in my account history. Cash Apps actions are obstructive, misleading, and inconsistent with federal consumer protection laws. 

Respectfully, XXXX. ( Consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I attempted to deposit my VA XXXX check via SoFi mobile deposit on XX/XX/2025. The check was initially accepted but later rejected. SoFi did not post the deposit or reversal to my account history and I had difficulty obtaining documentation confirming the check was not deposited. 

The VA can not reissue my XXXX payment without written proof from the bank that the check was never deposited. I contacted SoFi multiple times and was repeatedly told they could not resolve the issue due to endorsement wording, even though XXXX Treasury checks do not require that specific endorsement language. 

After several attempts, I finally received an email confirming the rejection, but only after significant delay and confusion. This situation prevented the reissuance of federal XXXX funds and caused avoidable hardship. I want SoFi to improve their handling of rejected mobile deposits and ensure that required documentation is provided promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit XXXX  to XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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