vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : Avant

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian Information Solutions XXXX Inc. and XXXX XXXX XXXX for reporting and verifying inaccurate and conflicting information on my Experian credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

The XXXX tradeline is listed as both XXXX and XXXX, shows a {$63.00} balance, and includes a XXXX payment history grid. Those entries can not legally coexist and create a false impression of active delinquency. The update dates also conflict ( Status Updated XX/XX/year> vs Balance Updated XX/XX/year> ). XXXX is a telecommunications utility, not a credit account, and therefore subject to the permissible-purpose and data-accuracy requirements under FCRA 604 ( a ) ( 3 ) ( F ) and 623 ( a ).

I disputed this with Experian and requested the Method of Verification required under FCRA 611 ( a ) ( 7 ), asking for the name, address, and documentation relied upon to verify this tradeline. Experian closed the investigation as consumer disagrees without providing the required information or any proof of verification.

These actions violate FCRA 607 ( b ) ( failure to assure maximum possible accuracy ), 611 ( a ) ( failure to conduct a reasonable reinvestigation ), 611 ( a ) ( 7 ) ( failure to provide the Method of Verification ), and Regulation V 1022.42 ( failure to maintain reasonable accuracy procedures ). 

I am requesting that the CFPB require Experian and XXXX to : XXXX Produce full documentation of how this tradeline was verified, including the verifying source and evidence used ; 2 Delete or correct the account to show a {$0.00} balance and Transferred/Sold status if ownership can not be proven ; and 3 Confirm that both parties reinvestigation and furnishing procedures comply with FCRA and Regulation V.

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 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
the emotional toll has been very overwhelming I have lost sleep, constant stress and experiencing embarrassment as Im being turned away by landlords for something that should not even be on my report this not has only impacted me but my ability to provide safe and stable housing for my family this debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is to be signed by two parties and I did not participate in any of it. They did not follow the proper 5-step validation process 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
We have been trying to process a VA loan assumption application. We signed the contract in XXXX and M & T bank took more than usual time to clear it for closing by delaying the process asking for unnecessary information. Finally it was cleared to close on XX/XX/year> and there has been no movement after that. There is no proper response or any help. This delay has caused significant hardships for both seller and buyer. Its a non compliance issue on M & T banks part as well. 
Under the VA XXXX XXXX ( XXXX, Chapter XXXX ) and CFPB guidelines, lenders and servicers are required to : Complete VA XXXX XXXX without unnecessary delay once all conditions are met ; Maintain fair and consistent treatment for veteran anXXXX XXXX XXXXtion applicants ; and Avoid actions ( or inactions ) that cause material harm to borrowers, sellers, or third parties. 


M & T bank has violated all the above guidelines. This delay has already caused measurable damage : The seller continues making mortgage payments beyond their contractual obligation. 

The buyer ( an investor ) has a tenant family in temporary housing awaiting possession.

The contracts Close of Escrow date has expired, risking financial loss and potential contract collapse.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered that my Equifax credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, Equifax has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken. 

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
In XX/XX/year> both my Mother and I separately received a letter from Federal Student Aid that both the Parent Plus and my individual Student Loans for The XXXX XXXX XXXX XXXX XXXX had been forgiven due to inappropriate actions that took place during my time there. 
Two months later in May my Mom received a check for her refund of all payments made under her Parent Plus Loan. I still have not. I have contacted both Federal Aid who tells me the case wS finalized in XXXX of 2024 and all info needed was sent to Aidvantage at that time. Aidvantage is my loan servicer. They are telling me it is still in process and although my balance reflects XXXX I have asked about the payments I have made. Called multiple times and emailed to still tell me they are figuring it out. I am frustrated as to where my payment and interest paid had gone i can not get any answers and it has been over one year. 
XXXX XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I am writing to follow up on a previous dispute submitted regarding inaccurate, unverifiable, and potentially unlawful information still reporting on my credit file. Since your agency failed to properly investigate or validate the following accounts, I have escalated the matter and filed an official complaint with the Federal Trade Commission ( FTC ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is a Second and Final Notice demanding that the accounts listed below be fully validated or permanently deleted from my credit report. 
Accounts in Dispute : Charge-Off Accounts : XXXX XXXX  XXXX {$91.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$2000.00} - Deleted from Equifax XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1600.00} - Deleted from Equifax and Transunion Collection Account : XXXX XXXX XXXX {$1300.00} - Deleted from Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am writing to formally express my concerns regarding chime handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using chime numerous times and reporting discrepancies, my financial institution and chime failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that chime has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
XX/XX/XXXX {$960.00} XX/XX/XXXX {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: LA

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The review does not fairly portray my financial mindset.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
FCRA Violations Not mine not my car loan XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$37.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$44000.00} Highest balance - Terms 60 Months On record until XX/XX/XXXX not my apartment XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$310.00} Balance updated XX/XX/XXXX not my electric bill XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$950.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$950.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment hippa violation XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX never lived there XXXX XXXX XXXX XXXX XXXX, MI XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, DE XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, DE XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, MI XXXX Resident type Single family not my phone number ( XXXX ) XXXX Cellular ( XXXX ) XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
CAPITAL ONE : # XXXX has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FRCA Violations Not mine not my cell phone account XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Collection account. {$3.00} never late XXXX Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX XXXX, XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. 
never lived here XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX type Single family XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX type Single family XXXX, XXXX Resident type XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not my XXXX numbers XXXX XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
Subject : Complaint Regarding Account Closure and Withheld Funds SoFi Bank Dear CFPB, I am submitting this complaint regarding SoFi Banks improper restriction and closure of my account, as well as the withholding of my transferred funds without clear explanation. 

I made two transfers from my XXXX by XXXX XXXX account to my SoFi Bank accounts {$1000.00} to my checking account and {$1000.00} to my savings accountfor a total of {$2000.00}. After the funds were successfully sent, I attempted to transfer {$1000.00} from my SoFi checking account to a linked external account ending in XXXX ( XXXX  ). SoFi informed me that the transfer was sent. 

However, when I checked my account, I discovered that SoFi had restricted my account and subsequently closed it without providing any legitimate reason. I have been a member since XX/XX/year> and have never engaged in any prohibited activity. As of now, my funds remain unavailable, and SoFi has not provided a clear resolution or timeline for releasing my money. 

I am requesting CFPBs assistance to : Compel SoFi to provide a full explanation for the account restriction and closure. 

Ensure the immediate release and return of my {$2000.00} in transferred funds. 

Investigate SoFis handling of my account and their compliance with consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to bring to your attention that I have recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns about the safety of my sensitive data, leading to the creation of fraudulent accounts and debts in my name. I kindly ask you to consider this issue while reviewing my credit report and to take the necessary steps to correct any inaccuracies or fraudulent activities.

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