vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I used my debit card on XX/XX/year>2025 at XXXX XXXX for {$150.00} for my supplements. This supplement is crucial to treat my XXXX and they've sold me counterfeit product. 

I've disputed the transaction because i received counterfeit product, and when I had disputes in the past with my old bank account from XXXX XXXX  XXXX, they handle my dispute professionally and they give me a provisional credit and resolve my dispute within a reasonable time. 

The provisional credit is important because i need this money to pay my bills, most companies accommodate this type of situation, Sofi isn't one of them However this isn't the case with Sofi, unfortunately they gave me a boilerplate answer and refuse to resolve my dispute within a reasonable amount of time. They refuse to give me a provisional credit to pay my bills and they just delay.

Sofi is in direct violation with Regulation E under the Electronic Fund Transfer Act because many users on social media face delays commonly after 10 days, I will include proof. It's a common theme in their own social media page.

This is a widescale problem with Sofi and I need your help CFPB to enforce these rules so no financial institute can mistreat their customers again, especially with direct violation issues. Thank you for reading. 

Proof ( links are from social media like 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial XXXX and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing this complaint regarding an alleged debt being reported by XXXX XXXX XXXX XXXXn my TransUnion credit report. 

On XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) by requesting that XXXX XXXX XXXX validate the alleged debt. To date, they have failed to provide any of the required documentation, including but not limited to : A copy of the original contract or agreement bearing my signature. 

A full accounting of the debt and how it was calculated. 

Proof of ownership or assignment of the debt. 

Chain of title or bill of sale. 

The date of the first delinquency. 

The date of the last payment. 

The name and address of the original creditor. 

Despite this, I received a response from TransUnion on XX/XX/year> stating that the account had been verified. This is a direct violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), which mandates that when a consumer disputes an account, the credit reporting agency must conduct a reasonable investigation. It is not possible for TransUnion to verify the accuracy of an account without actual documentation from the furnisher, especially when I have already disputed and requested validation from the debt collector directly. 

I believe both parties are in violation : XXXX XXXX XXXX has failed to validate the debt and continues to report it. 

TransUnion has verified an account without documentation, violating their duty to conduct a proper reinvestigation. 

I have attached supporting documentation including : My original debt validation request to XXXX XXXX XXXX. 

A copy of TransUnions response claiming the debt was verified.

A copy of my dispute letter to TransUnion.

A copy of my credit report showing the account.

This inaccurate reporting is causing harm to my creditworthiness and violates my consumer rights. I respectfully request swift action by the CFPB.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had MULTIPLE late payments on a XXXX XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I Called navy federal bank On XX/XX/XXXX to report some unauthorized transactions I filed a claim they denied it I reported to them my car got broken into my cards were stolen from my vehicle I already filed a police report as well and sent that case # over to the bank I dont understand why the claim got denied or whats taking so long this unbelievable and unacceptable I dont know what else to do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLc XX/XX/XXXX - {$150.00} LVNV Funding LLC XX/XX/XXXX - {$240.00} LVNV Funding LLC XX/XX/XXXX - {$430.00} LVNV Funding LLC XX/XX/XXXX - {$710.00} LVNV Funding LLC XX/XX/XXXX - {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
I received a settlement check for {$6200.00} from XXXX XXXXXXXX XXXX XXXX XXXX XXXX after my car was totaled by a XXXX XXXX XXXX XXXX bus. Upon depositing the check on XX/XX/XXXX, the branch XXXX, XXXX XXXX, flagged it for fraud, freezing my account. My account has now been under investigation for the last XXXX business days. I have received no information on when these funds will be available, no updates, and no explanation for the delay. I am currently without a vehicle and in turn, struggling to get to work. The actions of this bank have put me in a precarious position financially and I am worried this will not be resolved in time for me to pay my rent or other bills.

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 2025-05-19 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: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I submitted a request on the Federal Student Aid site XXXX month ago for my XXXX XXXX XXXX. The information does not appear on my account anywhere and I would like a copy. I have received no reply. If one can not be provided, the ownership of my remaining loan balance is greatly in question, and may not be active.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I simply asked to withdraw my application ON XX/XX/year>XXXX  if i wasn't going to be approved for a card and proof it was done i was told that the system doesn't show my application but the agent was able to pull up the dates i applied for cards XX/XX/year>XXXX   & XX/XX/year>XXXX  i gave the reference number provided in my application denial letter CHASE SAPPHIRE XXXX XXXX XXXX XXXX CHASE FREEDOM XXXXXXXX XXXX XXXX I asked to speak to a supervisor to help me and the person kept telling me that there was no supervisor and she was the one handling the matter i asked 8 different times for a manager and to withdraw my application that is affecting my credit score and my ability to apply for other credit card with other lenders. I was told that a manger can call me back and was given a number to call. The agent told me there was nothing that can be done since i voluntarily applied. I told the agent i am also voluntarily Un consenting to anything with the credit application to remove a inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous anxiety and stress it's causing me.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding several accounts that are inaccurately reported on my credit report. Despite my efforts to resolve these issues directly with the credit bureaus and creditors, the following accounts continue to appear with errors and are damaging my creditworthiness : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting late payments, which I dispute. I have not received proper validation or proof of these delinquencies, and I believe this reporting may be in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a charge-off. I requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), yet the account remains with no verification, which violates my rights under 15 U.S. Code 1692g. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Marked with late payments, but again, no supporting documentation has been provided to substantiate these claims. This negatively impacts my score without due process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was opened very recently ( XX/XX/year> ) and is already listed in collections. I never received proper notification or a chance to dispute this debt before it was reported, violating provisions of the FCRA ( 15 U.S. Code 1681s-2 ) regarding accurate and timely reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Labeled as a charge-off, which I contest. I have not received any communication from this creditor before the derogatory reporting occurred. Again, this violates FCRA and FDCPA requirements. 

Context and Harm : Due to these inaccurate and improperly verified items, my credit report portrays a misleading image of my financial responsibility. This has led to multiple credit denials, emotional distress, and financial hardship. I have made multiple attempts to resolve these matters with both the furnishers and credit bureaus, including written disputes and requests for debt validation, but my concerns remain unresolved. 

Applicable Laws Violated : Fair Credit Reporting Act ( FCRA ) Failure to ensure maximum possible accuracy of consumer information ( 1681e ( b ) ) and failure to investigate consumer disputes ( 1681i ).

Fair Debt Collection Practices Act ( FDCPA ) Failure to provide proper validation of debts ( 1692g ), and potential deceptive practices. 

Requested Resolution : Immediate deletion of the above-mentioned accounts from all consumer reporting agencies unless the furnishers can provide full and complete validation of the debts, including original contracts and itemized statements.

Assurance that future negative information will not be reported without compliance with FCRA and FDCPA requirements.

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