vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint because my bank denied my fraud claim without conducting a reasonable or thorough investigation and without allowing me to provide evidence demonstrating that the transactions were unauthorized. Such as proving my real location. 

Description of the Issue In XX/XX/year>, multiple in-person transactions totaling approximately {$400.00} occurred in a city where I was not present. At the time of these transactions, I retained possession of my physical credit card. I did not authorize these purchases and could not have been physically present at the merchant location. 

Given that the transactions were card-present while I retained the original card, this strongly indicates counterfeit or cloned card fraud. 

Actions I Took I promptly reported the transactions as fraudulent. 

I informed the bank that I had my physical card in my possession at all times. 

I fully cooperated with the banks review process. 

I requested that the dispute be assessed as counterfeit card fraud. 


Banks Actions and Failures The bank denied my claim without a proper investigation, including the following failures : The bank denied my claim without a proper investigation, including the following failures : Failed to request or review documentation demonstrating that I was not in the city where the transactions occurred. 

Failed to provide me an opportunity to submit evidence of my physical location at the time of the transactions. 

Failed to request or review merchant video footage or other merchant verification to confirm the identity of the individual who made the purchases. 

Failed to adequately explain how in-person transactions could occur in a different city while I retained possession of the original physical card.

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 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I have been contacted by a Sofi representative, firstly didnt know if it was a real call or a fishing call. 
I have a substancial account with Sofi, Checking, Savings, and have been a member since 2011. 

I was suddendly called with a woman asking me about a deposit that was back a week or so ago and how did I know this person and could she have her phone number? I told her I do not have that with me and I would have to get that to her. She asked well dont you have it on your phone? I told her no I have that back at my office and im not at the office. 

She told me she will call back in an hour, I told her what is the problem and she explained we need to talk to her? ok well may I ask why, deposit cleared? she told me well you have deposited money yourself wired money to this account yourself and now suddendly you have this person wiring funds? 
Well yes is that not allowed? 

I eventually gave the Sofi rep the phone number to reach her and explained i reached the deposit person on email and shes asking for your name and a phone number to reach you? the Sofi rep refused.

I told her ok well you have the number I can do nothing more.

Suddenly I get a notification from Sofi, my accounts are all on restriction? 


I have XXXX access to my funds, funds that i placed in Sofi myself that morning,? 

I am being refused access to them completely, my social security and employment goes directly into Sofi, what am I to do? 

I have called several times and get no answers at all? 

If they have an issue with a desposit why and I been frozen completely? why not check the deposit and then make an assessment? 

I need resolve and im trying to resolve, have spoken to the depositor and there is not issues, Sofi has not reacher her on the number given and left no messages? 


Its XXXX weeks before XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Regarding XXXX XXXX Account : XXXX This is my second complaint regarding a falsely reported XXXX-day late payment on my XXXX XXXX auto loan. I have been a loyal XXXX XXXX customer for over XXXX years with a flawless payment history. My account has been on automatic payments ( autopay ) since it was opened, and I have never missed or been late on any payment. 

When I contacted XXXX directly, a XXXX admitted that the reported late payment was caused by XXXX internal autopay system error and confirmed that I was not late. My Ally payment history shows every autopay processed as Completed. 

However, when XXXX responded to my previous CFPB complaint, they provided a different story that did not match what their XXXX explained to me. XXXX failed to disclose their autopay system error to the CFPB and to the credit bureaus, resulting in the continued reporting of false information. This is a misrepresentation of the facts and a violation of their responsibilities under the FCRA. 

In addition, the credit bureaus are reporting inconsistent months for the same alleged delinquency : Some reports show a XXXX XXXX-day late Others report a XXXX XXXX-day late While Experians own payment history shows XXXX late payments for both XXXX and XXXX Clearly, by reporting XXXX different months, the information being provided is not accurate, not reliable, and not consistent ; hence the story is not accurate. These contradictions prove the information is unverified and must be deleted under FCRA 1681i and 1681s-2. 

Despite my previous disputes and my prior CFPB complaint, the error still remains uncorrected even after XXXX admitted to the autopay system failure. This ongoing inaccurate reporting has caused substantial credit score damage, financial harm, and reputational injury. 

The continued publication of false, inconsistent, and unverified derogatory information, combined with Ally providing XXXX different explanations, constitutes negligent and potentially willful defamation of character. If this matter is not corrected immediately, I will be forced to consult an attorney for defamation and explore initiating a class action lawsuit against XXXX XXXX, as I do not know how many other consumers may have been harmed by the same autopay system error or misreporting practices. 

Additionally, if necessary, I will publicly disclose my experience on major social media platforms and news outlets to protect myself and to raise awareness for other consumers who may be affected. 

I respectfully request that the CFPB require the immediate deletion of the falsely reported XXXX-day late payment from XXXX, Equifax, and XXXX, and update the account to reflect Pays As Agreed Never Late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I do not recognize these accounts and ask that they be taken off my report within XXXX days per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-09 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX  # XXXX -- Balance : {$6000.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$17000.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I am disputing inaccurate mortgage reporting by Planet Home Lending. The mortgage is currently being reported to XXXX  as past due even though the alleged delinquency was corrected internally by Planet and then fully paid by me immediately. 

The original payment issue was caused by Planets internal processing error, and Planets own ledger shows that they corrected this. On XX/XX/year>, Planet reversed the returned payment. On XX/XX/year>, XXXX posted my payment of {$4800.00}. On XX/XX/year>, XXXX performed a late charge adjustment and waiver. On XX/XX/year>, Planet posted another payment of {$4800.00}. After the internal correction and the payments posting, the account was fully cured and there was no current past-due balance. 

Planets own payment history clearly shows : Returned Payment Reversal, Late Charge Adjustment/Waiver, and two payments posteddemonstrating that the account is not presently delinquent. Despite this, XXXX  continues to show a current past-due status, and Planet verified this information without providing any documentation showing a present delinquency.

Reporting a past-due balance after Planets internal correction and my payments is factually inaccurate and violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is knownor should be knownto be inaccurate. I request deletion of the derogatory reporting and correction of the current status because the account is not past due.

I am attaching Planet Home Lendings payment history showing the internal correction, reversal, waiver, and posted payments. I also request that CFPB ensure these corrections are applied consistently across all consumer reporting agencies ( XXXX XXXX XXXX XXXX ), and monitor that no false past-due status continues or reappears through subsequent automated furnisher reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: IN

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Its making my life really hard and stressful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Paypal makes misleading practices. everytime you pay a payment option that looks like your credit card comes up .. after XXXX of times, I click on the wrong icon, and the process does not even seem you are applying for a credit card. 
Not a good pracrtice lying to customers. 
please revert, I do not need another account with your bank this is the card ending in 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 2025-12-09 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: NJ

Complaint narrative:
I am requesting the removal or correction of the following disputed accounts on my credit report with Equifax. These accounts have inaccuracies or do not belong to me. 

Charged Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$460.00} Inquiries : ( No inquiries listed for Equifax ) Late Payment : XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Opening Date Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute an inaccuracy reporting on my credit file in accordance with the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 609 ( A ), and 611 ( A ).

The account in question is a credit card on which I am listed as an authorized user. The date opened being reported is XX/XX/XXXX, which is factually inaccurate. The primary account holder opened this credit card in XXXX, and as an authorized user, the account opening date on my credit report should accurately reflect the true history of the account. 

Under FCRA 609 ( A ), I have the right to request and receive accurate information regarding any item on my credit report. Additionally, according to FCRA 611 ( A ), credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct or delete any item that is incomplete or inaccurate. Furthermore, FCRA 602 ( A ) emphasizes the responsibility to ensure fairness, accuracy, and reliability in credit reporting. 
I am requesting that you investigate this discrepancy and correct the account opening date to reflect the correct year the account was established : XXXX. 
Please provide written confirmation once this correction has been completed. 
Thank you for your prompt attention to this matter. 

Sincerely, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 disputing the following accounts on my credit report as they do not accurately reflect my credit history or payment behavior. I respectfully request these accounts be verified, and if they can not be verified, removed from my credit report. 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$710.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$220.00} Inquiries : XXXX Account Date : XX/XX/XXXX XXXX Account Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Bank falsely claimed I never changed my payment due date, even though I didand their own agent confirmed this system change and verified my last payment month. Their statement in CFPB Case # XXXX contradicts both Allys internal records and my flawless on-time credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One Refusing to Remove Identity Theft Accounts Despite Police Report and Identity Theft Affidavit. I am filing a complaint because Capital One is refusing to remove multiple fraudulent accounts opened in my name as a result of identity theft, even after I submitted all legally required documents. The fraudulent Capital One account numbers end in : XXXX XXXX XXXX XXXX I did not authorize or open these accounts. I submitted : A completed Identity Theft Affidavit, A police report, Proof of identity, A written statement describing the fraud. These documents qualify as an Identity Theft Report under FCRA 603 ( q ). Under FCRA 605B, Capital One is required to : Block all identity theftrelated information, Stop reporting the fraudulent accounts to credit bureaus, Cease all collection activity, And remove fraudulent accounts from my file. Despite this, XXXX XXXX informed me that because payments were made on the fraudulent accounts, I am liable. This is legally incorrect. Payments made by an identity thief do not create liability for the victim under FCRA, the Fair Credit Billing Act ( FCBA ), or Regulation Z. Capital One is refusing to comply with : FCRA 605B, FCRA 623 ( a ) ( 6 ) ( duty to not furnish information known to be inaccurate ), Regulation Z, FCBA protections regarding unauthorized accounts and charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX person who has tax deferment can not get the escrow ( property taxes ) removed after multiple attempts. Information was sent in XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 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 2025-12-09 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief