vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I reached out to Transunion on multiple occasions to remove information they are reporting on my credit report. The information is inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss of opportunity. The following alleged Public Record they are reporting concerning me is Inaccurate and/or incomplete, and also unverifiable : XXXX XXXX Bankruptcy - Reference number XXXX XXXX XXXX Bankruptcy - Reference number XXXX. 

I contacted the court of Record listed on my credit file, and they confirmed that they neither provide nor verify court records to you nor any other third party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any Public Record notations. ( See attached letter ) Therefore, they could not have possibly verified this information with XXXX XXXX. I request that they delete the alleged Public Record ( s ) and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that they included in a consumer report that they prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data and reinvestigated it due to my current dispute. Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

I have also upload report from the other credit bureaus that stated they do not have any public records reporting. In this case, how why Transunion showing 2

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing to file a complaint regarding an unauthorized charge of {$160.00} made to my Capital One account on XX/XX/year>. Upon noticing the charge late at night, I promptly locked my card then contacted XXXX XXXX within an hour to address the issue and try to revoke the charge before any time was wasted, I then soon initiated a fraud case with Capital One as soon as the charge was posted and requested a new debit card. 

Despite changing all my credentials, and my prompt action to both parties, capital one sent me an email XX/XX/XXXX stating that my claim was denied due to Our review of internal systems and information provided by the merchant shows the transaction is valid. On XX/XX/XXXX I requested an e-mail copy of the said documents the merchant provided that refuted my fraud claim and I still have not received anything. 

I have had to go without using a debit card for almost a month since I have been away from my home address where capital one sent my new debit card, yet capital one still believes this isnt fraud despite all of the trouble. 

Below I provided the chat logs I had with XXXX customer support trying to resolve the issue with customer service as soon as I saw the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate.

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-28 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 



Company or Organization : XXXX  XXXX Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I downloaded SoFi to start an automated bill paying account. 

I transferred {$6500.00} from my XXXX debit card to my SoFi checking account ( using the SoFi app ) via ACH transfer on XX/XX/year>. I then immediately returned the {$65.00} via the same XXXX XXXX using SoFi on XX/XX/year>. I returned these funds because I realized I didn't need it in my SoFi account at that moment. On XX/XX/XXXX, the {$65.00} was successfully returned and reflected in my XXXX account. However, the initial withdrawal from the SoFi account was not done processing until after the return, leaving my chase account balance negative of the {$65.00}. I'd like to note that the initial windrawal showed up instantly in my sofi account but again, was not done proccessing fully until after the return. 

On Tuesday XX/XX/year> XXXX, the {$65.00} had not relfected in my SoFi account. I called XXXX to inform them of the issue, They explained to be to wait XXXX business days and ultimately stated that the concern was an issue on SoFi 's part as the withdrawal was initiated on their app. 

On Friday XX/XX/year> XXXX, I called SoFi because the funds still did not show up in my account. I spoke to a lady and she told me that there was no record of any incoming funds from XXXX. Addtionally, she told me that it was a XXXX issue even though I explained to her multiple times that the transaction occured on the SoFi app. On the same day I spoke to a live agent who opened a ticket to further challenge a deeper research on the matter. He stated I should be getting an updated response back within the next XXXX hours. 

Today, on XX/XX/year> XXXX, I called XXXX to open a dispute on the matter. I initially spoke to a lady from customer service who then transferred me to the claim 's department. When speaking to a man from the claim 's deparment, he explained that the issue was again, a SoFi matter, and that based on that ; couldn't open up a case, Later at XXXX, I called XXXX back to get a trace ID and time that the {$65.00} left my account. They couldn't provide me with either.

It has been several days and there is still no sign of the {$65.00} that is supposed to be in my SoFi account. Neither branch has been helpful in aiding my requests. I dont know where my money is and it seems that no one can trace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
I notified of this in XX/XX/year> of the amount of XXXX $ from XXXX XXXX and try to contact them and ask them to provide me with the information of the debt and got no response.

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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I sent {$200.00} to my mother, XXXX XXXX XXXX who lives in XXXX XXXX XXXX on XX/XX/year> by the MoneyGram app. Somebody cashed it out before she could get the money for herself. She went to where she usually pick up funds ( XXXX XXXX ) but the teller said its a wrong reference code and not found when she gave the reference number I provided. When I told her to try to check from other remittance stations nearby, XXXX stations said the money has already been picked up. 
Herewith, I attach the remittance station info where the scam might have occurred though XXXX not very certain if it happened there. I also attach the receipt and the email record of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i am writing to dispute the accuracy of the XXXX XXXX XXXX XXXX  account ( Account # XXXX ) on my XXXX  credit report and to request its immediate removal due to multiple violations of the Fair Credit Reporting Act ( FCRA ). I have identified several inaccuracies and inconsistencies in the reporting of this account that I believe warrant its deletion.Inaccurate Balance on a Closed Account : The account is listed as " Closed '' with a balance of {$1600.00} as of the last reported date, XX/XX/XXXX. However, the " Date of Last Payment '' is XX/XX/XXXX, and the account is marked as closed by the credit grantor. A closed account should either have a zero balance if paid off or accurately reflect any outstanding debt. This discrepancy may violate FCRA Section 623 ( a ) ( 1 ), which requires accurate reporting by furnishers. If this balance is incorrect, it is harming my credit score and must be corrected or removed.Inconsistent Payment Status and History : The accounts payment status is listed as " Pays as agreed, '' yet the two-year payment history shows a 30-day late payment in XXXX XXXX This contradiction creates confusion and may mislead creditors. Under FCRA Section 623 ( a ) ( 1 ), the payment status and history must be consistent and accurate. If the late payment is erroneous, it must be removed. If it is accurate, the " Pays as agreed '' status is misleading and should be updated to reflect the late payment.Potential Selective Reporting : This account appears only on my XXXX  report, with no corresponding entries on XXXX  or XXXX  reports. While not a direct violation, selective reporting to only one bureau creates an incomplete credit profile, which can unfairly impact my creditworthiness. This may violate the spirit of FCRA Section 623 ( a ) ( 7 ), which encourages consistent reporting across bureaus.Under FCRA Section 611, I request that XXXX  investigate these discrepancies within 30 days of receiving this letter. I also request that this account be deleted from my credit report entirely, as the inaccuracies and inconsistencies violate FCRA standards for fair and accurate reporting.Please provide written confirmation of the investigation results and the removal of this account from my credit report. You may send the response to the address listed above or to my email at [ Your Email Address ]. Additionally, please provide an updated copy of my credit report reflecting 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 explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One Main Financial submitted Negative Reports to my Credit File stating that I owe them {$25000.00}. 
On XX/XX/XXXX, I disputed their claim and requested from them a " Debt Validation ''. I did not receive it then so on XXXX XXXX I submitted another request, giving them the opportunity to justify their claim. To date, they still have not Validated their claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I held a Bed Bath and Beyond credit card since XX/XX/XXXX never had a late payment. Account closed due to their bankruptcy on or around XX/XX/XXXX. The last updated payment on my credit reported was missing payment and Account history XX/XX/XXXX yet they are denying my dispute for inaccurate reporting of credit line and balances. They are unable to provide documentation prior to XXXX. I've never had a reported late payment. If I've in error due to lack of Account servicing made a payment after the due date they refuse to review and can not waive fees. Essentially there is no account servicing. My balance at closing was {$1400.00} and the balance now is {$1700.00}. This is causing financial harm and since I'm not using the card the balance should not be going up. I also recall my credit line was {$1800.00} which you will see in the XXXX  dispute. I have been denied loans it's effected my reputation at work due to it exceeding credit limits since it was reporting as revolving for too long last update was XX/XX/XXXX. I believe they are in violations of FDCPA udaap and just general ethics. I feel at this point I should be owed for abusive practices and the account should be reporting as paid in full at their expense. I believe this is a systematic issue and the bed bath and beyond consumer class action lawsuits due to their lack of consumer support and inappropriate reports to the credit bureaus. Amongst other things.ask them to prove full account history verification of all debts and statements from original account opening

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : closed accounts XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: VA

Complaint narrative:
This complaint is to inform that Edfinancial Services has been for sometime using deceptive practices to collect on a debt that I do not owe them. I have never contracted with this company, and there has never been any contract for goods or services. This company does not have the Master Promissory note, or a signed document binding me to performance with them. Correspondences have been sent them many times with affidavits that have not been rebutted, which stands as truth in commerce. Edfinancial Services is also in violation of my personal information under the FERPA act for violating my rights of privacy of my Educational records. Under 15 U.S 1692e ( 14 ), upon checking my consumer report, Edfinancial Services is in violation for using fictious name that are not there true company name to report on my consumer report without my express written consent, without permissible purpose or having any affiliation through any signed contract giving them permission to even have my non public personal information. On my consumer report in addition to them using fictious names, they have also reported fictious information such as payment dates, and account opening dates. Upon looking at what is reported to my consumer report, you can see that all the information reported is false information. Continuing further, it was found out through investigative means that Edfinancial Services without my express written consent opened up an account/ bond using my personal information without my express written consent, which by the CFPB definition constitutes identity theft, and it also constitutes securities fraud. I was never given full disclosure about any bonds being opened in my name. Now after all of the fraud that they have committed, they have been sending presentments to my house for a period of time with different dates of overdue, with threats of default without provided the proper paperwork. There are in violation of my rights as a consumer and it needs to stop. All attached documents where sent to Edfinancial Services previous to this complaint being filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Association has repeatedly called my phone daily and when I asked XXXX numerous times to cease and desist they did not. I made XXXX attempts to get this debt validated so that I could dispute it, but to no response. I havent received anything from this collection company, even though I was told something was sent to me in the mail, which they needed my address to send it. They should have my address to send validation of this debt. I could not dispute this debt, due to no account number or any information about the debt. It wasnt until XX/XX/year>, that I received an alert from experian that it was placed on my credit report under collections for {$2700.00} a debt buyer with the original creditor XXXX XXXX XXXX. This creditor is not on my credit report because after disputing the credit XXXX Bank account was removed between XX/XX/year> and XX/XX/year>. Portfolio Recovery Association has violated laws under the Fair Debt Collection Practices Act, 15 U.S.C. I am enclosing documentation of call logs, a cease and desist letter and a validation of debt letter. Also what it shows on my Experian credit report and the removal of the original account from XXXX XXXXXXXX XXXX, a copy of my social security card and my Florida State ID.

Company response to consumer: Closed with explanation