vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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:
On XX/XX/XXXX, I deposited a {$7500.00} check via mobile deposit into my SoFi checking account. 

SoFi placed an extended hold until XX/XX/XXXX, stating the funds are pending verification. 

Despite multiple requests, SoFi has not identified a specific exception under Regulation CC ( 12 CFR 229.13 ) justifying the extended hold, nor explained why the portion required to be made available under 229.13 ( b ) was withheld. 

In chat on XX/XX/XXXX, SoFi representatives stated there was nothing that can be done and refused to release any portion of the funds. 

I am requesting a CFPB compliance review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank authorized a new debit card transaction for the amount of {$1000.00} after my debit card was locked/turned off on XX/XX/year>. 

Although the bank initially issued provisional credit of {$1000.00} during its investigation on XX/XX/year>, it later reversed the credit after an internal review that failed to address the central issue : why a locked debit card was able to authorize a new transaction. 

This was not a recurring charge, not pre-authorized, and not pending. It was not recurring because it was not the same amount. However they say it was recurring. It was a debit-based bill payment that should have been blocked by the card-lock feature. 

The banks determination focused on merchant authorization rather than its own failure to enforce the card lock, which resulted in my account going negative and caused financial harm. Now my account is in the negative {$1000.00} and has been since XX/XX/year>XXXX  and they are telling me I need to pay it or they will close my 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 explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/year>, my official online account at XXXX displayed an active payment schedule showing Next payment due : XX/XX/year> in the amount of {$1100.00}. 
Relying on this official information, I made the payment on XX/XX/year>. 
However, in its official response, the company claims that a full payoff was required by XX/XX/year> and that the account was charged off based on that requirement. 
As a result, the companys official website provided conflicting and misleading information regarding the payment amount and due date. I relied on the online account as the sole official source of payment 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 2025-12-27 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: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generallf, 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.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint as a final escalation with intent to sue under the Fair Credit Reporting Act ( FCRA ).

I am a documented victim of identity theft, data breaches, and mixed consumer file contamination. The inaccurate information currently reported by Experian has been disputed repeatedly.

I previously submitted : An FTC Identity Theft Report Prior CFPB complaints Sworn Affidavit ( s ) of Truth Multiple written disputes identifying unauthorized accounts, inquiries, and aliases Despite actual notice, Experian failed to block identity-theft-related information, failed to correct mixed-file errors, and continued reporting inaccurate data.

This complaint is not an initial dispute. It concerns ongoing willful non-compliance after identity theft notice, in violation of 15 U.S.C. 1681c-2, 1681e ( b ), and 1681i.

Continued reporting after notice constitutes reckless disregard under 1681n, and I am preserving my right to pursue civil litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: CT

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
b'I am a recipient of SSI XXXX) and am currently judgment proof. I am acting in good faith to resolve an XXXX  debt. On XXXX XXXX XXXX I sent a formal XXXXXXXX  settlement offer and a debt validation request via Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX). My records show this was received and signed for by XXXX XXXX on XXXX XXXX XXXX. Despite my deadline of XXXX XXXX, the company has failed to provide any written response or verification. Instead, they continue to report negative information on my credit and attempt to contact me by phone. I have attempted to resolve this directly, but the company is unresponsive to written correspondence."'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: GA

Complaint narrative:
I am filing this complaint to request an immediate and thorough investigation into Experians continued reporting of a bankruptcy on my consumer credit report that does not exist. 

Experian is inaccurately reporting that I filed for bankruptcy. This information is false. I contacted XXXX, the primary public records data furnisher used by credit reporting agencies, and XXXX has officially confirmed in writing that there is no bankruptcy on file under my name or Social Security number. I possess documentation from XXXX confirming this fact. 

Despite providing this information and disputing the inaccurate reporting, Experian has failed to remove the false bankruptcy from my credit report. Their continued reporting of this inaccurate public record is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to their duty to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. 

This false bankruptcy has caused me significant financial harm, including damage to my credit score, denial of credit opportunities, higher interest rates, and emotional distress. Experians refusal to correct this verified inaccuracy demonstrates negligence and disregard for federal consumer protection laws. 

I am requesting that the CFPB : 1. Conduct a full investigation into Experians reporting practices regarding this false bankruptcy. 
2. Require Experian to immediately delete the inaccurate bankruptcy from my credit file. 
3. Hold Experian accountable for violations of the FCRA. 
4. Assist in preserving records and findings relevant to potential legal action, as I am considering pursuing a lawsuit against Experian for continued inaccurate reporting despite verified proof. 

Please treat this matter with urgency. I am prepared to provide XXXX documentation and any additional evidence required. 

Thank you for your assistance in protecting consumers from inaccurate and harmful credit reporting practices.

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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am reporting a financial scam involving XXXX XXXX and my banks refusal to reimburse me after two dispute denials. 
On or about XXXX XX/XX/year> thru XXXX XXXX, I paid total {$820.00} using XXXX XXXX, linked to my credit/debit card issued by USAA. The payment went to XXXX XXXX for what I believed I was buying clothing, & shipping cost. 
After I paid, the business did not provide the promised product/service. Instead, they repeatedly requested more money and promised a refund if I paid additional fees. This is consistent with common online scam patterns in which fraudsters demand extra payments and never deliver the goods. 
I contacted the merchant and requested either delivery of the goods or a full refund, but they refused and/or stopped responding. I then filed a fraud/dispute claim with my bank on XXXX XXXX My bank denied the dispute on XXXX XXXX, stating I transferred the funds. I appealed and submitted a second dispute with more documentation on XXXX XXXX, which was also denied on XXXX XXXX. 
I believe I have been the victim of a scam and that my bank failed to adequately investigate and protect me, despite clear evidence that I did not receive what I paid for and that the merchants conduct was deceptive. I did ask USAA to reverse the funds and give me back my funds and they refused

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 2025-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Cash App Borrow ( Square Financial Services ).

Cash App delayed the release of my Social Security Disability ( SSDI ) direct deposit while releasing my dependents Social Security deposits from the same pay cycle. I proactively contacted Borrow Support before my due date to document the delay and my intent to repay immediately once my deposit was made available.

Despite this, Cash App assessed a {$5.00} late fee. Borrow Support stated they could not note my account, pause penalties, or prevent the fee in advance, even though the delay was outside my control.

Cash App controls both deposit availability and Borrow fee assessment. Charging a late fee under these circumstances resulted in an unfair outcome.

I am requesting removal/refund of the {$5.00} late fee, written confirmation that no additional penalties or interest will be assessed related to this delay, and confirmation that my account standing will not be negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit has been harrasing me on old debt from XXXX. In XXXX of XXXX a filed for divorce. It was a horrible divorce. This debt in question was marital debt that I had stopped paying on. The divorce lasted 5 years!! a lot longer than I had expected. When I first began the proceedings I figured it would be 6 months tops since we had no children only assets. Boy was I wrong. With the division of property I thought I'd pay these debts off. Instead I ended up losing everything. I hit a pretty hard bottom. I was not able to recover. I didn't get back to work and start to recover the pieces of my life ; and only by the Grace of XXXX, until XXXX. I noticed that all accounts from that time period fell off my credit report in XXXX. A symbol I thought of maybe I was coming into my new beginings, and truly I was. Except for in XXXX I noticed my checks had chuncks missing in the form of a garnishment. Midland funding garnished my wages in XXXX from XXXX to XXXX for a total of {$4200.00}. I wanted to complain and fight back but I let it be. I didn't think it would be worth the time or effort. I figured it just another cost to be able to move on finally. That is until now, in XXXX they are bringing up two more accounts and put a levy on my bank. This time I'm going to see if I can do something about it for I feel an abuse is taking place. First and foremost I was never personally served with a summons and complaint, The proof of service states that substitue service was attempted at my mothers home, the last payments on these accounts were made in XXXX of XXXX and most of not all these lawsuits that I'm aware of were filed more than four years after the last payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I checked my consumer profile and had multiple inaccurate accounts on my consumer profile, I filled metro 2 compliance using the FCRA, I am challenging this unverifiable information.under my consumer protection rights

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 2025-12-27 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: GA

Complaint narrative:
I disputed multiple inaccurate and unverified late-payment entries on my credit report with Experian, Equifax, and TransUnion. The accounts in question include XXXX XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These tradelines contain 30-, 60-, and 90-day late payments that I believe were reported in error, and without proper validation.

For example, XXXX stated in writing that they do not report to credit bureaus until a borrower is 90+ days delinquent. However, my credit report reflects multiple 30- and 60-day lates. This contradiction suggests either negligent or false reporting, and no proof of delinquency was ever provided to me.

Despite submitting an affidavit, legal citations, and supporting documentation, Experian and TransUnion simply accepted the furnishers unverifiable verification without providing any supporting documents. Equifax responded that some of the accounts were not reporting at all, which further suggests inconsistency among the credit bureaus.

My original complaint requested validation, account documentation, and deletion of unverifiable data per FCRA 623 ( b ), 611 ( a ), GLBA 502 ( b ), SOX 404, and UCC 9-210. None of these requests were fully addressed, and the negative data continues to harm my credit profile.

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 2025-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I shouldnt be on the loan through Ally bank its in XXXX XXXX name not mine and it should not be on my credit report at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX, my debit card was taken to another state I live in XXXX XXXX, the card was taken to XXXX XXXX, called to get the charges disputed as fraud as soon as i noticed .. well, I just got in the mail letters saying that the claims were denied for customers historical pattern of use? How that makes sense? Ive barely have history with them and of top of that i have not been in XXXX XXXX i had job in XXXX that week. This seems like such a disrespectful investigation. Do they know how the economy is right now and the ones that suppose to back me up are not doing anything? My card got stolen, got to another state and IM BEING HELD RESPONSIBLE? I even got people to testify i was with them. This can become a whole lawsuit, they state im suppose not being held accountable if im not responsible .. what is this? A poor investigation job?.. Oh, and the cherry on top, they granted just 1 transaction of {$29.00} .. but not the others? This really has to be a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing this complaint regarding extreme professional misconduct and a failure to provide account assistance. After escalating through three levels of support, I was connected with a manager who only gave his first name XXXX and ID # XXXX. When I requested to be transferred to a corporate or U.S. based office to seek higher administrative authority for my issue, the manager became combative, raised their voice, and falsely accused me of being XXXX, stating that " the nationality doesn't matter. '' I explicitly stated, multiple times, that my request was based on seeking different technical capabilities, not XXXX. They implied I was being XXXX. The manager 's behavior was a violation of professional standards. I then asked for their name and ID number so I could report this. They gave me XXXX XXXXXXXX ID # XXXXXXXX XXXX Said they are only allowed to give first name. The issue was not solved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding impermissible and excessive hard inquiries reported on my EQUIFAX credit report by XXXX and XXXX XXXX. 

EQUIFAX is reporting six ( 6 ) hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These inquiries occurred over a period of more than six months and are not within any recognized mortgage shopping window. Reporting these inquiries as separate hard pulls is inaccurate and excessive.

Under 15 U.S.C. 1681b ( a ) ( Fair Credit Reporting Act ), a consumer report may only be furnished for a permissible purpose. Repeated inquiries require separate written authorization for each pull, which EQUIFAX has not produced.

Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to ensure maximum possible accuracy. Reporting multiple third-party inquiries without verifying authorization constitutes a failure of this duty.

Under 15 U.S.C. 1681i ( a ), EQUIFAX must conduct a reasonable reinvestigation and delete information that can not be verified. To date, EQUIFAX has failed to verify permissible purpose or authorization for each inquiry.

I am requesting immediate deletion of all impermissible inquiries and written confirmation of the corrections made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$97.00}, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}

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