vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX i emailed XXXX XXXX the ceo of sofi bank with my concerns with my checking account i had with his bank. 

He did not respond but someone named XXXX did and sent me a email stating Dear XXXX, I hope this message finds you well. My name is XXXX. I am an account manager with SoFi. Thank you for reaching out to the office of the CEO. 



We sincerely apologize for the experience you've had, and we want to assure you that we are addressing this matter. I understand that you're seeing a discrepancy in your balance and that it may not align with your expectations. One common cause of this confusion is the Relay feature in our app, which tracks spending trends based on the calendar month. This can sometimes lead to differences in how transactions appear. 



Wed love the opportunity to go over your transactions with you and help clarify any concerns. If you're available, wed be happy to reach out tomorrow to review everything together. Please let us know a time that works best for you. 



Thank you for your understanding and cooperation. 



Kind regards, XXXX SoFi Bank, N.A. 
Member Service Delivery Escalations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX since then i have tried to call him or call sofi bank customer service or chat with the on the app. 
And i am met with argumetative customer service or throwing up their hands saying they have done all they could. When i have so much money missing!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX so since i signed up for a relationship with sofi bank they have taken XXXX from a 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 2025-03-09 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: NY

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXXXXXX ] XXXXXXXX XXXX XXXXXXXX [ XXXX ] XX/XX/year> [ XXXX XXXX. ] [ Credit bureau dispute. ] [ XXXX XXXX XXXXXXXX ] Subject : Dispute of Billing Error - XXXX Dear TransUnion. ], I am writing to formally dispute a billing error on my account, [ XXXX ], in accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

On my most recent statement, I believe there is a billing error regarding the amount of $ [ XXXX ]. Specifically, I believe that the charge reflects an extension of credit that was not made, or the amount charged is incorrect. I respectfully request that you investigate this matter and provide me with the necessary documentation to support the charge ( s ) on my account. 

As per the Fair Credit Billing Act, I am providing the following details for your reference : [ XXXX, XXXX ]. 

The reason I believe this is a billing error : payment was never late. 
I would appreciate it if you could correct this error within 30 days of receiving this notice, as required by law. I also request that you provide me with written acknowledgment of your receipt of this dispute and the steps being taken to resolve it. 

Please ensure that any future actions to collect the disputed amount, or any part thereof, are suspended until the matter is resolved. In addition, I request that you provide me with any supporting documentation or clarification that explains why this charge has been applied to my account. 

Thank you for your prompt attention to this matter. I look forward to your response within the time frame specified by law. 

Sincerely, [ 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously disputed an unrecognized XXXX account on my TransUnion credit report, and after an investigation, TransUnion deleted the account from my file. However, I recently received a letter stating that the account has been reinserted after " verification. '' This reinsertion violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) because TransUnion failed to notify me in writing at least five business days before reinserting the account, which is required by law. TransUnion also reinserted a previously deleted account without my knowledge or consent, damaging my credit unlawfully. 

Since TransUnion has already violated the FCRA, the account must be deleted immediately and can not be re-investigated. 

I am requesting that the CFPB require TransUnion to permanently delete this account from my credit report because it was unlawfully reinserted. TransUnion must also confirm in writing that the account has been removed and that no further reinsertion will take place. Additionally, I request that the CFPB investigate TransUnions compliance practices to prevent future FCRA violations. 

If this matter is not resolved, I will pursue further complaints with the Federal Trade Commission, my state Attorney General, and legal action for damages due to TransUnion 's noncompliance with the FCRA.

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 2025-03-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-09 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: VA

Complaint narrative:
XXXX XXXX has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where XXXX XXXX has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe XXXXXXXX XXXX and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: VA

Complaint narrative:
XXXXXXXX XXXX has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where XXXXXXXX XXXX has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe XXXXXXXX XXXX and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the 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 non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXXXXX XXXX  has been reporting inaccurate information INTENTIONALLY on my report. I have sent them numerous request to remove the inaccurate information under the FRCA fair credit reporting act and they it has not been fixed, under 15usc 1681 accurate and correct information has to be reported. This has been reported XX/XX/year> on my report of " paid closed, {$870.00} written off. '' where XXXXXXXX XXXX has been paid in full and the credit bureau is not reporting the status correctly. 

I do not owe XXXXXXXX XXXX and They have been reporting incorrect status which is showing my account as still " {$870.00} written off '' in the status

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$1100.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.

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 2025-03-09 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of a medical debt on my credit report, as it is a clear violation of the recent amendments to Regulation V under the Fair Credit Reporting Act ( FCRA ). The CFPB 's final rule in XX/XX/XXXX prohibits the inclusion of medical bills on consumer credit reports. Therefore, this information must be immediately removed. 

Details of the Disputed Item : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Medical Debt : XX/XX/XXXX Amount : {$1100.00} According to the amendments to Regulation V finalized by the CFPB in XX/XX/XXXX, medical debts can no longer be included on consumer credit reports. The amendment was specifically designed to prevent medical bills from unfairly affecting consumers ' creditworthiness. 
By continuing to report this medical debt, your agency is not only violating the Fair Credit Reporting Act ( FCRA ) but also the updated Regulation V requirements. 
Requested Action : I respectfully request that you : XXXX. Immediately remove the medical debt from my credit report in compliance with Regulation V as amended. 
XXXX. Conduct a reinvestigation of this account and provide a written response confirming the deletion of the disputed information. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Please consider this letter as a formal dispute under the FCRA and the updated Regulation V. I expect a response within the 30-day period as required by law.

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 2025-03-09 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: DISCOVER BANK
State: NJ

Complaint narrative:
XXXX and XXXX has reported Discover Bank on my credit report as a charge off with the amount of {$760.00} from XXXX.2020 that is not mine. This account does not belong to me and I have never had a Discover Credit Card nor have I done business with them I have tried disputing to XXXX and XXXX but they have not removed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: IL

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. XXXX ) 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 account makes as an accurate : 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 explanation
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The following account appears twice on my credit profile. Im an AU on my wife 's credit through her XXXX XXXX account. The duplicate account appeared on my credit within the last week. Everything is duplicated with the exception of the balance, which is a {$1000.00} difference... It took my credit score down XXXX points, and I need this corrected. 
The report dates are XX/XX/XXXX and XX/XX/XXXX. 








XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputes XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
Under FDCPA regulations you can not collect a debt that is over XXXX XXXX XXXX I provided court documentation to establish a approximate date of XXXX to XX/XX/XXXX when the law suit was filed so the actual debt would have been XXXX or older. Furthermore this was a court case credit debt filed in XX/XX/XXXX which again is past the statue of limitations for collecting a debt which as I am sure you are fully aware of is a FDCPA violation. I would also like to add the misleading letter attached to this complaint with what appears to be threatening legal action if payment is not made? I would like to add that reaging a debt is illegal and that before we take action because of all these FDCPA violations and the fact the our rights are being violated for this clearly outdated debt. We are officially requesting all debt validation, chain of title, original creditors charge-off account, all payments made on account, and the debt purchase agreement and any other information contained there in. We request this information than after that we are officially requesting a cease and desist order for all collections and reporting of debt and removal of set debt from all three credit reporting agencies immediately. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.

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 2025-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a debt validation letter to Radius Global Solutions requesting the above mentioned documents and they have failed to provide this. It is fraudulent behavior to claim a debt is owed and not provide the required and requested documents. A debt collector has a legal responsibility to provide documentation upon request.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : XXXX : Shows XXXX late payments ; XXXX for 30 days another for 60 days. XXXX : Shows XXXX 30-day late payment. XXXX : Shows XXXX late payments ; XXXX for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.

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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Milliman, Inc.
State: NY

Complaint narrative:
request my COMPLETE credit report as is my right under the Fair Credit Reporting Act. I previously received only a list of inquiries made on my report, which is insufficient and does not fulfill your legal obligation to provide me with my complete credit file. 

As a survivor of XXXX  XXXX, I am entitled to special protections under Section 605 ( c ) of the FCRA as amended by the Debt Bondage Repair Act. I intend to review my complete report to identify adverse items resulting from my XXXX  situation for potential removal.

Please note that under the FCRA : 1. I am entitled to receive my complete credit report, not just a list of inquiries 2. As a XXXX  survivor, I have specific rights regarding adverse items on my report 3. Failure to provide my complete report may constitute a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy federal still has an account open that was involved in identity theft of their file. I called in about the issue years ago and reported it as identity theft with no update i called back again this year and an agent confirmed to me that there is still a record with navy federal for this. The agent informed me that navy federal investigated and confirmed that there was no issue and i was responsible for it. I was not contacted by mail because if i was i wouldve fixed the issue years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation