vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I made a payment through the SoFi website for {$600.00} to be sent via XXXX to a recipient I had successfully sent money to before. The bank debited the {$600.00} from the account, but the money was never sent to the recipient. The funds have shown as posted and I have spent the past 3 days and spoken with 11 representatives at SoFi, and no one can tell me where the money has gone. I have filed 3 formal complaints internally at SoFi and have asked the funds be credited back to the account while they complete their internal investigation, and they have refused. Rather, they informed me that it could up be to 90 business days ( over 4 months ) before they are able to resolve the issue. 

In the meantime, they have refused to issue a provisional credit. I have spent hours on the phone and on chat with customer service, and they continue to give unclear, roundabout answers and read from their " I understand your concern '' script.

I've banked with SoFi for 10 years, but their ineptitude and clear lack of controls over my money has vanquished any confidence I had in them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-03 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: TN

Complaint narrative:
On XX/XX/2025 I filed a dispute with my SoFi bank for Unauthorized Charges on the XX/XX/2025 my money was withdrawal from my account and I didn't realize it until XX/XX/2025 because my phone was missing and other items were missing, SoFi did my dispu and email me the information they sent me an email stating that they will investigate my claim within 10 days if they can not make an solution within 10 days they will provide an provisional credit SoFi made an decision within 1 day of me filing a claim, they have not investigated my claim or reach out to the merchant or anything as this points they denied my claim so they wouldn't provide my provisional credit. I sent supportive information to SoFi and they never responded back also they never responded to my email or inform me of their investigation of my dispute this is a very unprofessional of this company I been with this company for two years and they have been unprofessional working with my account. I have all documentation and want my money and my dispute reopen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: LEXISNEXIS
State: AR

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, I am XXXX XXXX XXXX, and I have a valid Social Security number copy attached. Despite multiple applications for credit cards, lenders respond that I do not exist in the credit bureau database. 

I have already tried to resolve this by sending letters and faxes to Equifax, Experian, and TransUnion with copies of my Social Security card, drivers license, and proof of address. Each time, I was told no help could be offered because I do not have a file in their system. 

I am a twin. My sister, XXXX XXXX XXXX XXXX, has a valid social security and its apart from mine by just XXXX digit, and she has a normal credit file and has been able to obtain credit. Because our names, birthdates, and SSNs are very similar, it appears my file has been suppressed, misclassified as fraud, or merged with my sisters file. 

This situation is unfair and harmful. I am a real consumer with a valid SSN, and I am being denied the ability to build my own credit history. 


Attached Documents : Copy of my Social Security card Copy of my drivers license Utility bill ( proof of address ) Copies of denial letters from lenders and bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, My name is XXXX XXXX XXXX XXXX, I am XXXX XXXX XXXX, and I have a valid Social Security number copy attached. Despite multiple applications for credit cards, lenders respond that I do not exist in the credit bureau database. 

I have already tried to resolve this by sending letters and faxes to Equifax, Experian, and TransUnion with copies of my Social Security card, drivers license, and proof of address. Each time, I was told no help could be offered because I do not have a file in their system. 

I am a twin. My sister, XXXX XXXX XXXX XXXX, has a valid social security and its apart from mine by just XXXX digit, and she has a normal credit file and has been able to obtain credit. Because our names, birthdates, and SSNs are very similar, it appears my file has been suppressed, misclassified as fraud, or merged with my sisters file. 

This situation is unfair and harmful. I am a real consumer with a valid SSN, and I am being denied the ability to build my own credit history. 


Attached Documents : Copy of my Social Security card Copy of my drivers license Utility bill ( proof of address ) Copies of denial letters from lenders and bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I applied for care credit and was given okay and card which i used at my local vet ... as you can see Care Credit/synchrony bank not only sent me a statement of how much my payments are but that im late in paying., not only do i get several robo calls from Synchrony bank daily they reported me to all 3 credit b. as defauliting in payments. 

I already filed to Transunion but it seems companys are allways right and was informed it stays. 
as you can see by the attached what my credit amount is and also when it was issued and that I have a promo of 18 month deferrel. 
I had made a payment so Id have the amount paid off way before 18 months was up. after getting this statement from Synchrony Bank i have not made a payment which im not evan over the 18 months Deferal...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Management Solutions LLC
State: TX

Complaint narrative:
To Whom It May Concern, This is a formal and final demand regarding the above-referenced alleged account. Be advised of the following : 1. NO VERIFIED CONTRACT EXISTS Pursuant to the Uniform Commercial Code ( UCC 3-501 & UCC 3-505 ), I demand production of the original wet-ink signed contract that establishes lawful indebtedness and grants you standing to collect. If you can not provide this, your claim is null and void.

2. FCRA VIOLATIONS Reporting unverifiable, inaccurate, or unauthorized information is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681e ( b ) and 1681s-2. You are required to ensure the accuracy of any information reported to XXXX XXXX or XXXX Failure to correct false reporting constitutes willful noncompliance, subjecting you to civil liability under 1681n.

3. UNAUTHORIZED USE OF CREDIT FILE Under 15 U.S.C. 1681b ( f ), no person may obtain or use my consumer report without a permissible purpose. As you have failed to provide lawful validation, you lack permissible purpose to report or continue collection.

4. UCC RIGHT OF RESCISSION Notice is hereby given that I rescind any implied or alleged contract between myself and your agency. UCC 1-308 ( Reservation of Rights ) is invoked. Any further reporting or collection activity will be deemed harassment and unlawful interference with my commercial rights.

DEMANDS : IMMEDIATE REMOVAL : Delete this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ) within 15 calendar days of receipt of this notice.

CEASE COLLECTION : Cease all collection activities, including phone calls, mailings, and third-party reporting.

CONFIRMATION : Provide written confirmation of removal and cessation of collection activities.

Failure to comply will result in immediate legal action, including but not limited to : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General.

Civil litigation for violations of the FCRA, FDCPA, and UCC, seeking statutory damages, attorneys fees, and punitive damages.

This is your final warning. Govern yourselves accordingly. 

Sincerely, XXXX XXXX ( Authorized Representative for [ XXXX XXXX ], All Rights Reserved Without Prejudice UCC 1-308 )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Last reported XX/XX/XXXX {$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedJul XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedNov XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedOct XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXXXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedApr XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  OpenedXXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Account information disputed by consumer Account information disputed by consumer Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXX XXXX XXXX Original creditor XXXX  OpenedMay XXXX, XXXX ( XXXX mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Placed for collection Original creditor nameXXXX XXXX XXXX XXXX Last reported XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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 am writing to formally submit a complaint regarding multiple inaccuracies and discrepancies on my credit report. These errors have caused me significant stress and have the potential to negatively impact my creditworthiness. I am requesting that the involved institutions and credit reporting agencies investigate and correct these issues promptly.

The following accounts and information are inaccurate or improperly reported : Wrong Address Listings : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect or Duplicate Account Reporting : XXXX XXXX, Account # XXXX, High Balance : {$540.00}, Date Opened : XX/XX/XXXX Reported as Chargeoff ( duplicate entry present ) XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, High Balance : {$540.00}, Date Opened : XX/XX/XXXX Reported as Charge Off ( duplicate ) Late Payment Reporting Errors : XXXX, Account # XXXX, High Balance : {$3100.00}, Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  , Account # XXXX, High Balance : {$30000.00}, Date Opened : XX/XX/XXXX Bankruptcy Reference : XXXX  XXXX Bankruptcy, Reference # XXXX, U.S. Bankruptcy Court Ensure accurate reporting in accordance with court documents. 

Inquiry Discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation and correction of these inaccuracies under the Fair Credit Reporting Act ( FCRA ). Specifically, I request that : All incorrect addresses be removed or corrected.

Duplicate and inaccurate account reporting be corrected or deleted.

Late payment entries be verified and removed if inaccurate.

Inquiries that are unauthorized or incorrect be removed.

Bankruptcy information be accurately reflected according to court records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, Rocket Mortgage emailed my employer for VOE and disclosed that my loan has a co-signer and identified them by name. This disclosure is not necessary to verify my employment and was made without my consent. I had emailed the lender on prior to VOE instructing no direct employer contact and again on XX/XX/XXXX Written acknowledgement of the disclosure and cessation of any non-essential employer contact ; limit any VOE to employment status/dates only and revoking my authorization explicitly. The lender did not cease but responded with a written refusal to acknowledge my request, continue to contact an employee at my company through side channels, and continues to disclose nonpublic personal information.

The identity/existence of a co-signer is nonpublic personal information. Disclosing it to my employer exceeds whats necessary to effect, administer, or enforce the transaction under federal privacy rules ( Regulation P ) and is unfair under UDAAP standards ( causes harm, not reasonably avoidable, no countervailing benefit ). If the lender claims it was required for VOE, that is inaccurateVOE does not require naming a co-singner.

My loan completed VOE on XX/XX/XXXX and scheduled signing on XX/XX/XXXX. The lender did not make the closing appointment, causing delays in closing. This delay led the lender 's employee, XXXX XXXX, to attempted a second VOE through back-channels without ever communicating with us, leading to her disclosing sensitive information to my employer, caused workplace disruption and caused further delays in VOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There are collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate, complete, and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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.

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. 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Equifax, XXXX XXXX XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$440.00}

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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
XX/XX/year> {$700.00}. I received a call from XXXX telling me that the ride that I was picking up was in an unknown location and that I needed to pull over so that can walk me through the steps to cancel the ride, I pulled over and he confirmed everything with me and had me cancel the ride and he then proceeded to inform me that I reached my bonus of XXXX dollars and that I needed to enter the XXXX gift card onto my uber pro app I proceeded to do so and next thing you know all my funds was removed from my account l. I reached out to both XXXX and uber pro cards and filed a fraud claim they told me they was aware of this issue going on but unfortunately they are not able to refund me my money back which isnt fair at all that was my bill money o explained to them that I want to speak to someone over them and next thing I was sent an email saying claim denied. Can someone please help me this isnt fair

Company response to consumer: Closed with explanation