vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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:
I am writing to complain about several accounts on my credit report that are either wrong or that I do not recognize. These accounts are affecting my credit unfairly. 

The accounts I am concerned about include : XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} Chargeoff XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$3800.00} Late Payment XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX {$2300.00} Late Payment XXXX XXXXXXXX Opened XX/XX/XXXX {$0.00} Late Payment XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX {$860.00} Chargeoff XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Chargeoff XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} Collection XXXX  XXXX  XXXX XXXX Opened XX/XX/XXXX {$740.00} Collection XXXX XXXX XXXX Opened XX/XX/XXXX {$420.00} Collection XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/XXXX  XX/XX/XXXX Inquiry I do not know some of these accounts, and some of them are reported incorrectly. I request that CFPB check these accounts, investigate them, and help me get them corrected or removed from my credit report. 

Please let me know the results of your investigation. Thank you for your help.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX transaction for {$610.00} posted to my Chime checking account after my XXXX account was taken over. I had already reported the account takeover to XXXX the day before the charge posted. I reported the unauthorized transaction to Chime as soon as it appeared. This purchase was not made by me. 

Chime denied my dispute twice without properly reviewing the evidence I submitted. When I called, Chime representatives admitted they did not actually review my attachments. They also told me they would send a secure upload link so I could resubmit evidence of the account takeover, but I never received the link. 

I requested the documents Chime used to make their decision, but they only sent denial templates and did not provide the actual investigation documents. Chime closed my dispute without completing a full investigation, even though : I reported the XXXX account takeover before the charge posted I had no access to my XXXX account at the time of the purchase The transaction was clearly unauthorized I submitted proof of the compromised account Chime did not follow Regulation E requirements to conduct a reasonable investigation. They closed the dispute twice without requesting additional information or reviewing the evidence I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting inaccurate, incomplete, and duplicate negative credit information. PRA is listing conflicting statuses, including both 120 days late and collection/charge-off for the same account. PRA is also reporting misleading balances and inconsistent Date Opened, Date of Last Payment, and Date Reported fields.

Additionally, PRA failed to consistently report my dispute to all bureaus, violating 1681s-2 ( a ) ( 3 ).

These errors violate : 15 U.S.C. 1681s-2 ( a ) ( 1 ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) 15 U.S.C. 1681s-2 ( a ) ( 5 ) 15 U.S.C. 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I had a loan with XXXX XXXX for XXXX  months, I had for XXXX  years paid on time every payment, it got stolen and my XXXX INSURANCE PAID it off,,, 100 % I even had a XXXX  insurance but it never had to be used because XXXX owed me XXXX after XXXX paid them in less than a month after the incident. I never received my money, which I just found out recently they owed me, the terms are reported wrong even the length of the loan is wrong, missing months in XXXX that are missing all, of a sudden since i been trying to fix this problem., also they had me in the credit bureau XXXX as a repo than that I still owe them XXXX XXXX this has been going on since XXXX, its been very hard on my credit mind and finances, I have all the proof to show anyone to help me fix how i was wronged. It fraud and evil all at the same time. please help!

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 2025-11-16 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: MI

Complaint narrative:
I had a loan with XXXX XXXX for XXXX  months, I had for XXXX  years paid on time every payment, it got stolen and my XXXX INSURANCE PAID it off,,, 100 % I even had a XXXX  insurance but it never had to be used because XXXX owed me XXXX after XXXX paid them in less than a month after the incident. I never received my money, which I just found out recently they owed me, the terms are reported wrong even the length of the loan is wrong, missing months in XXXX that are missing all, of a sudden since i been trying to fix this problem., also they had me in the credit bureau XXXX as a repo than that I still owe them XXXX XXXX this has been going on since XXXX, its been very hard on my credit mind and finances, I have all the proof to show anyone to help me fix how i was wronged. It fraud and evil all at the same time. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts and inaccuracies that are reporting inaccurately and without my knowledge. Please help me get these accounts and inaccuracies remove immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts and inaccuracies that are reporting inaccurately and without my knowledge. Please help me get these accounts and inaccuracies remove immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-16 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: IN

Complaint narrative:
The furnisher ( XXXX XXXX ) recently and unlawfully changed my historical payment history. My credit report now shows completely different late payment dates and increased delinquency severity that did not exist before. This is re-aging and falsification of credit data. 

The account previously showed accurate or less severe data, but the furnisher updated the following months with new XXXX, XXXX, XXXX and XXXX late payments, which is factually impossible and violates Metro 2 guidelines. Changing a past payment history without documented proof violates : FCRA 1681s-2 ( a ) reporting inaccurate information FCRA 1681s-2 ( b ) failing to investigate properly FCRA 1681e ( b ) duty of maximum possible accuracy FCRA 1681i CRA reinvestigation obligations This is also considered re-aging of an account, which is prohibited. I request : 1. Immediate deletion of the account, or 2. Reversion back to the original payment history, and 3. A full investigation including the original payment ledger and audit trail.

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 2025-11-15 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I received a mail offer from SoFi to my house with an apparent exclusive invitation credit card offer. The offer is SoFi XXXX XXXX XXXX XXXX XXXX and it stated Pre-Approved. Also it states in fine print potential minimum credit limit of XXXX. 

The mail has a confirmation code to use for the application offer. Also it states As a SoFi member, weve reviewed your credit and youre pre approved-you can request your card in a few clicks. 

I had a recent XXXX  and although I have XXXX active credit cards tha Ive been paying in full I felt I might as well hold a XXXX ( this SoFi offer ) to take advantage of the benefits they offer and increase my credit limit and credit score over time. 

Upon applying, SoFi denied my application right away. IF THEY GON NA DENY ME, WHY SEND ME THIS PRE APPROVED OFFER?? this ruins my credit history with more recent inquiries. This negatively impacted my credit score. 

This is false advertising and they should clearly state Pre Selected subject to approval. They should not market Pre Approved the way they did to me with this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing the repossession/auto loan account reported under XXXX XXXX XXXX, listed on my Experian report under account number XXXX. I did not open, authorize, or have any involvement with this account. This account is the result of identity theft, and the information being reported is false. Under my rights in the Fair Credit Reporting Act, including FCRA 605B ( Identity Theft Block ), 609 ( Right to Information ), and 611 ( Right to Dispute Accuracy ), I am requesting a full investigation and that this fraudulent account be verified, corrected, or removed if it can not be proven with documented evidence that it belongs to me. 
In accordance with FCRA 605B, I am requesting that Experian block and remove this identity-theft account from my credit file and complete the reinvestigation within the required timeframe. Please send me written confirmation of the investigation results and the removal of this account.

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 2025-11-16 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: OH

Complaint narrative:
Equifax continues to re-age & inaccurately report XXXX XXXX XXXX XXXX XXXX acct ending XXXX. Closure dates conflict ( XXXX XXXX  ). Duplicate tradeline ending XXXX. Prior dispute ignored. Request full deletion per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX, I reported unauthorized debit card transactions on my SoFi checking account. My phone had been stolen and someone used my card information on an online casino website without my permission. I opened a dispute with SoFi immediately and provided the information they requested. 

On XX/XX/XXXX, SoFi denied my dispute. After the denial, I requested all documents that SoFi used to make their determination, including the written explanation, any investigation notes, screenshots, merchant information, and any evidence they relied on to deny the claim. Regulation E requires the bank to provide this documentation after a denial. 

Since XX/XX/XXXX, I have emailed SoFi multiple times requesting the required documentation. I have also contacted SoFi through their in-app chat multiple times. Each time, I am told only that they informed the internal review team and that I have to wait. Nobody will provide the documents or a timeline. They repeat the same message every day without actually sending anything. 

I specifically asked SoFi to explain how their investigation was completed in only 3 days and to show what evidence they used to deny the claim. They will not provide the information. I asked multiple times on multiple days ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and still have received nothing. 

This complaint is NOT about the original unauthorized transactions or the outcome of the dispute. 
This complaint is specifically about SoFi refusing to provide the legally required documentation after denying my claim, in violation of Regulation E 1005.11 ( d ). I need the documentation to understand how they made the decision and to be able to appeal properly. SoFi has been refusing to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : Under XXXX U.S.C. XXXX ( XXXX ), a consumer reporting agency XXXX only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven

years. 3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4 . Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> I tried signing into my account and wasnt able to. I contacted the bank and they said they was closing it because of fraud. I asked was I able to take money out because I need to pay my rent and was denied to see or take any funds until they figure out if I was actually doing fraud. Also said I wont be able to get any money out for 45 days

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 2025-11-15 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: SC

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : XXXX A copy of my government issued photo Identification : XXXX An identity theft report from the FTC : XXXX proof of address. XXXX XXXX account # XXXX {$1500.00}, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX {$5600.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely 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 non-monetary relief
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
Dear experian/equifax/TransUnion. I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax and Experian. To support this request, I have included the following documents : XXXX A copy of my government issued photo Identification : XXXX An identity theft report from the FTC : XXXX proof of address. XXXX XXXX account # XXXX {$1500.00}, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX  account # XXXX {$5600.00}. Please confirm the account name, number has been blocked and deleted in ( XXXX ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am writing to report several inaccuracies on my credit report. I have noticed multiple accounts that are either reported as late payments, charge-offs, or collections, which I do not recognize or believe are incorrect. 

The disputed accounts are : XXXX XXXX Chargeoff, {$1200.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

XXXX XXXX XXXX Late Payment, {$0.00}, Opened XX/XX/XXXX. I have never made a late payment. 

XXXX XXXX XXXX Chargeoff, {$50.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

XXXX XXXX XXXX Chargeoff, {$0.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

DEPT OF EDUCATIONXXXX Late Payment, {$3800.00}, Opened XX/XX/XXXX. Report is incorrect. 

DEPT OF EDUCATIONXXXX Late Payment, {$2300.00}, Opened XX/XX/XXXX. Report is incorrect. 

XXXX XXXX XXXX XXXX Chargeoff, {$860.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

XXXX XXXX XXXX Chargeoff, {$270.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

XXXX XXXX XXXX Collection, {$5500.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

XXXX XXXX XXXX, {$420.00}, Opened XX/XX/XXXX. I have no knowledge of this account. 

There are also several inquiries I did not authorize : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request that the CFPB help me investigate these items. If the reporting companies can not verify the accounts or the reported history, I ask that they be removed from my credit report.

Thank you for your help in resolving this matter.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX bought the debt from synchrony bank. the balance that is showing as owed is incorrect. please request all statements and final owed amount from collection company. the balance is not XXXX the amount owed is XXXX,

Company response to consumer: Closed with explanation