vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I had a loan with SoFi and refinanced that loan with SoFi again to get a lower rate.

They funded the new loan and immediately started collecting interest on the new loan before the other loan was paid off ( they have both loans so it should have been quick ).

Both the old loan and the new one were gaining daily interest so i asked support and they said it was their normal process when I asked for my interest back on either of the loans.

I told them that they shouldnt charge me interest on the new loan since I didnt have the money yet. This is because if I had the money, the old loan would have been paid off and no longer accruing interest.

They brushed it off and I continued to get charged interest on both until the repayment settled, but the extra interest was never refunded.

SoFi was completely aware they charge their borrowers double interest when a new loan is being " processed '' and the debtor does not have the money yet. 

This can be a lot of money for someone with a high balance and/or interest rate. SoFI should not be charging interest on a refinancing loan until they pay off the old one they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SSN : XXXX RE : XXXX XXXX XXXX  Account # XXXX To whom it may concern, I am formally disputing the inaccurate reporting of the above-referenced account on my credit reports with TransUnion and XXXX. This account remains inconsistent and unverifiable despite prior attempts to correct these issues. Upon reviewing my credit report, the following discrepancies were identified : Issues Identified : 1. Conflicting Data Across Agencies : Date Opened : TransUnion reports XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
High Credit : TransUnion lists {$20000.00}, but XXXX lists {$16000.00}. 
Last Reported Date : TransUnion states XX/XX/XXXX, while XXXX states XX/XX/XXXX. 
2. Unverifiable Account Details : The Payment Status is incorrectly reported as Charge-Off despite inconsistencies in dates and balances.

The Date Last Active and Date of Last Payment differ significantly across bureaus, indicating a lack of proper verification.

Violations of Metro 2 Compliance and FCRA : 1. FCRA Section 611 ( a ) ( 1 ) ( A ) : Credit bureaus are required to conduct a reasonable investigation when discrepancies are reported. The conflicting data proves this has not been done.

2. FCRA Section 623 ( a ) ( 1 ) : Data furnished by XXXX XXXX XXXX is neither accurate nor verifiable as required by law.

3. Metro 2 Compliance Violations : Fields such as Date Opened, High Credit, and Payment Status fail to meet Metro 2 standards for accuracy and consistency.

Requested Action : Given the significant errors and the failure to verify this account properly, I demand that it be immediately deleted from my credit reports with TransUnion and XXXX. If this matter is not resolved within the 30-day investigation period, I will escalate it to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for violations of the FCRA. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of this accounts deletion. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
There are errors in the way some accounts are listed on my credit report, and this has caused an unnecessary drop in my score.

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 2025-01-24 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:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished. Accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-24 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 a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I have marked as inaccurate : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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 wanted the reported late payments with XXXX updated as paid never late status due to an system error on their end. Equifax and XXXX did not do a proper investigation and Ive paid my car payments on time prior to 30 days. Ive called XXXX and Equifax to let them know of the error and it was still reported as late. A proper investigation has not been completed. XXXX has made multiple inaccuracies of the reporting of my account. This can be referenced from the last CFPB report. 

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: NY

Complaint narrative:
Im at my breaking point with the repeated mistakes on my report. These errors are not just numberstheyre actively harming my score, limiting my opportunities, and frankly, making my life harder. Its beyond frustrating to see mistakes that I had no hand in creating derail everything Ive worked for. These inaccuracies are costing me financial stability, better interest rates, and even career opportunities.

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/year> i had asked to have my PMI removed they never sent me the forms so i then contacted them again i think it was XXXX about it again this time they sent me the forms i sent them in with comps and the fee they asked for the appraisal, Sometime went by so i called and the agent checked and said the PMI was removed and that i will be receiving a letter but the hurricane came and right after they told me they needed to send someone to take photos so they can make sure nothing was damaged. Well they sent someone to appraise the home again without them letting me know that was what they were doing. then i can about a week or two later and told me let me check they then told me that the PMI was reinstated but that it was removed in XX/XX/XXXX and they was not sure why they did that. I then told the agent that you can not remove a PMI then reinstate it after it was removed, they did not know what to say and i have been trying to have them remove it. then i received a letter from them and it said in order to meet the loan to value to remove the PMI that you need to pay this amount so i dis and still they did not remove the PMI i have even told them that we now want to pay our own property taxes and homeowners ' insurance, and they ignore everything i say. this company who knows who else have they been doing this to as well. Also my husband is a XXXX XX/XX/XXXXXX/XX/XXXX, and he has been getting sick he wants to sue them and have their business license taken away from them for deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to 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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX, trans union, XXXX have a delinquent account on my credit without any merit declining my credit. XXXX XXXX XXXX Balance Updated on {$16000.00}. I contacted the companies involved with 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 non-monetary relief
Consumer complaint received 2025-01-23 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: NJ

Complaint narrative:
XXXX, XXXX XXXX, equifax have a delinquent account on my credit without any merit declining my credit. XXXX XXXX XXXX XXXX XXXX on {$16000.00}. I contacted the companies involved with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

Complaint narrative:
hese accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my knowledge or consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or unverifiable information is a breach of federal law. Additionally, as a victim of identity theft,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Its absolutely infuriating that the accounts tied up in pending litigation are still on my credit report. Ive reached out to you time and time again to address the inaccuracies, but Im getting nowhere. My credit score is being negatively affected by accounts that arent even finalized, and its completely unfair.

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 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/XXXX. XXXX  my Robinhood account was compromised and a transaction sent using my Individual Cash Account was sent via the crypto currency XXXX. The total amount was {$270.00}, and when I tried contacting Robinhood, they told me there was no way to stop the payment once it was processing. I believe this was unfair and unethical to be cheated out of my hard earned money in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: WI

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My informations were exposed without my permission as a result of data breach by experian, XXXX and transunion. I have reached to all three companies with unsatisfactory results.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My informations were exposed without my permission as a result of data breach by experian, XXXX and XXXX. I have reached to all three companies with unsatisfactory results.

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