vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I am filing a follow-up complaint regarding a prior dispute with SoFi related to a denied personal loan application. SoFi cited " delinquent credit obligations '' and " recent trades '' as part of their denial. I have since obtained my full XXXX  credit report, which shows : A XXXX XXXX score of XXXX No past due accounts or delinquencies No new accounts opened 100 % on-time payment history on both my $ XXXX auto loan and XXXX  loan SoFi refuses to specify which denial reason applied, stating they use generalized language in their letters and not all listed reasons are applicable. This creates confusion, denies transparency, and potentially violates the FCRA and ECOA, especially when consumers can not dispute or appeal automated decisions based on vague reasoning. 

Im requesting that the CFPB reopen or escalate this case due to SoFis refusal to identify or correct the inaccurate or misapplied denial reason, despite proof being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I am filing a follow-up complaint regarding a prior dispute with SoFi related to a denied personal loan application. SoFi cited " delinquent credit obligations '' and " recent trades '' as part of their denial. I have since obtained my full Experian credit report, which shows : A XXXX  XXXX score of XXXX No past due accounts or delinquencies No new accounts opened 100 % on-time payment history on both my $ XXXX auto loan and XXXX  loan SoFi refuses to specify which denial reason applied, stating they use generalized language in their letters and not all listed reasons are applicable. This creates confusion, denies transparency, and potentially violates the FCRA and ECOA, especially when consumers can not dispute or appeal automated decisions based on vague reasoning. 

Im requesting that the CFPB reopen or escalate this case due to SoFis refusal to identify or correct the inaccurate or misapplied denial reason, despite proof being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
There are several charge-off and collection entries reported on my TransUnion credit file that are inaccurate, unverifiable, and appear to be the result of either outdated or erroneous data, most likely stemming from a data breach. These accounts include XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX, reporting a {$0.00} balance ; XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX, reporting a {$1000.00} balance ; XXXX XXXX account ending in XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance ; and XXXX XXXX XXXX XXXXccount ending in XXXX XXXX XXXX XXXX XXXX showing a {$120.00} charge-off. None of these entries were ever properly validated or even disclosed to me by the original creditors prior to being reported as derogatory. The fact that multiple entries are showing a {$0.00} balance also suggests an unlawful and misleading practice of reporting closed or settled accounts as ongoing derogatory debts, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681e ( b ), which mandates that only accurate, complete, and up-to-date information be maintained on consumer reports. I have not been provided any documentation substantiating these debts, and the inclusion of these accounts is misleading, harmful to my reputation, and lacks verifiable consent.

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 2025-04-30 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: AZ

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: VA

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

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 2025-04-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX RE : Experian RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not sure what's going on here. I can only assume Experian is not doing a thorough investigation into this matter. Or, simply XXXX XXXX is telling me XXXX thing, but telling Experian something totally different here. Nevertheless, XXXX XXXX has said several times they have terminated collection on account # XXXX. Yet, somehow, the account abovementioned keeps coming back verified. This will be my XXXX and final attempt to rectify this problem before seeking legal representation. Please delete account # XXXX immediately from my Experian credit report. Thank you!

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 2025-04-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: TX

Complaint narrative:
Closed my certificate of deposit XXXX weeks back, and was told I should receive a check in XXXX business days. Called them again, saying I never received the check. They said they had got the address wrong and would send another check again. The second check was also not received, and I call them again. And they say it was again sent to the wrong address. I ask them to cancel the check and send it again or to deposit the money to my checking account and to this I havent received a check nor the money was deposited to my checking 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 monetary relief
Consumer complaint received 2025-04-30 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:
Experian is currently reporting a derogatory charge-off from XXXX XXXX XXXX under an account ending in XXXX XXXX XXXX with a reported balance of {$120.00}. This entry is both inaccurate and lacks any form of verifiable validation. I have never received any prior communication or notice from XXXX XXXXXXXX XXXX regarding this charge-off, nor have I been given an opportunity to dispute the validity of the debt with the original creditor. Given the limited information and lack of substantiation, I believe this could be the result of incorrect data handling or a possible compromise of my personal information, consistent with a data breach. Furthermore, the charge-off classification fails to reflect the full context of the account history, and its current status is misleading and punitive.

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 2025-04-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Since XX/XX/year> i have received XXXX voicemails from XXXX. XXXX of those voice mails from the month of XXXX alone. I have asked them to send me letters to verify the debt and they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Stratus Financial LLC
State: CA

Complaint narrative:
They all started in the year XXXX. I was making my on-time payments and then the new year came along. Thats when the company changed or bought out. They emailed a new portal and then I saw a new principal which did not match my old amount from last year XXXX. I called about it and see whats going on, but I was a hot potato in many different agents. The person who helped me on XXXX says the payment will be the same because I am no longer continuing going to school. when all that was happening, i saw new principal. so I called and ask what happened. Weeks gone by and nothing happened. I called again to see any updates and all they said was you look into it meaning called the school, then they lead into more months. With all these months going by, I was jumping to agent to agent and retold my story of whats going on. Ive been getting here what to do or say well figure it out. But the main important question was when my payments remain the same they said yes. Then ask, I could reduce my payment temporary and they also said yes this help my family very much. But still no fix of the new amount. Finally a year and some months later, I call the school and see what he can do because supposedly he knew the owner of the XXXX. And thats why my payment stopped going through because I thought they handled it.I can not stop the automatic payment because I signed for it in the beginning of this contract. That led to XXXX XXXX XXXX months of no payments. Thats when I receive the call of saying what has happened. And I explained my story. Months later. I show them multiple proof of what my account should be throughout the year and a half of this battle of whats going on. And also they really located XXXX times and I thought this was a scam. So finally all that has happened I finally got an answer and supposedly they fixed it, but what I receive was even worse than I imagine the principal I had when I first got the last receipt was about XXXX now with all that mess going around with them it is now XXXX and theyre not willing to lower down my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I am disputing the XXXX XXXX charge-off entry reported on my credit reports with XXXX, Experian, and XXXX. The account, identified by the number ending in XXXX XXXX XXXX XXXX XXXX, has a reported balance of {$2000.00}. This charge-off entry is inaccurate, and I have not been provided with any documentation or notice of this charge-off. There was no prior communication from XXXX XXXX informing me of this debt being charged off, nor was I given an opportunity to dispute the balance directly with them. This has caused significant harm to my creditworthiness and financial reputation. I suspect that this charge-off could have originated from either a clerical error or, more likely, a data breach, leading to inaccurate reporting. I have not been given any proper documentation or validation of this debt, nor any chance to correct this mistake before it was reflected on my credit reports.

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 2025-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Cfpb I am writing to formally dispute several inquiries listed on my credit report dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b & 1681i, I am exercising my right to challenge credit inquiries that were either unauthorized, inaccurately reported, or unverifiable. 

Below are the inquiries in question : XXXXXXXX XXXX Date : XX/XX/XXXX Issue : No identifying information provided ( address/phone missing ) Action Requested : Remove as unverifiable or provide proof of authorization. 
XXXX. XXXX XXXX Date : XX/XX/XXXX Issue : Missing complete details of the inquiring party Action Requested : Remove if not fully verifiable or authorized. 
XXXX. XXXX XXXX ( Multiple Entries ) Dates : All listed on XX/XX/XXXX Issue : Appears three times under different variations : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Action Requested : Remove duplicate entries to reflect a single inquiry, or provide full documentation supporting each as a distinct and legitimate request. 
XXXX. XXXX Date : XX/XX/XXXX Issue : Missing full business contact information Action Requested : Remove due to incomplete and unverifiable listing. 

Under the FCRA, you are required to conduct a reasonable reinvestigation of these inquiries and delete any that can not be verified. Please provide a written response within 30 days, as required by law, and send me an updated copy of my credit report showing the results of your investigation. 

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 explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
Dear Cfpb I am writing to formally dispute several inquiries listed on my credit report dated XX/XX/XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b & 1681i, I am exercising my right to challenge credit inquiries that were either unauthorized, inaccurately reported, or unverifiable. 

Below are the inquiries in question : XXXXXXXX XXXX Date : XX/XX/XXXX Issue : No identifying information provided ( address/phone missing ) Action Requested : Remove as unverifiable or provide proof of authorization. 
XXXX. XXXX XXXX Date : XX/XX/XXXX Issue : Missing complete details of the inquiring party Action Requested : Remove if not fully verifiable or authorized. 
XXXX. XXXX XXXX ( Multiple Entries ) Dates : All listed on XX/XX/XXXX Issue : Appears three times under different variations : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Action Requested : Remove duplicate entries to reflect a single inquiry, or provide full documentation supporting each as a distinct and legitimate request. 
XXXX. XXXX Date : XX/XX/XXXX Issue : Missing full business contact information Action Requested : Remove due to incomplete and unverifiable listing. 

Under the FCRA, you are required to conduct a reasonable reinvestigation of these inquiries and delete any that can not be verified. Please provide a written response within 30 days, as required by law, and send me an updated copy of my credit report showing the results of your investigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/scrub> 2025, I contacted Chase Bank to report three unauthorized transactions that appeared on my account on XX/XX/scrub> 2025. The transactions were for the following amounts : {$36.00} {$66.00} {$110.00} Upon discovering the suspicious activity, I also called XXXX, as the charges were linked to their platform. A representative informed me that the transactions could not be canceled because they were pending. I was advised to contact my bank to dispute the charges and initiate a refund process. 

Following this guidance, I reported the issue to Chase Bank, requested a full investigation, and had both my credit and debit cards canceled. Chase initially refunded the amounts and issued me new cards. 

However, on XX/XX/year>2025, I received a letter from Chase stating that, based on information provided by XXXX, the bank determined I was allegedly responsible for the transactions. They cited matching billing and address information as the basis for their decision to reverse the refunds. 

In response, I submitted documentation from my XXXX account showing that the address used for the XXXX orders did not match my actual address. Despite this, Chase informed me that the evidence was insufficient, and they re-debited the full amounts of all three transactions from my account. 

I was left with the impression that my fraud claim was dismissed without a fair review. The banks conclusion implied that I had fabricated the claim and canceled my cards unnecessarily. In reality, I was the victim of fraud and had taken additional steps to protect myself, including canceling other cards and placing a credit freeze to prevent further identity theft. 

Due to Chase 's resolution, I am now unable to pursue further dispute options through XXXX or XXXX, as the bank closed the claim unilaterally. Ultimately, it feels as though the scammers succeeded, while institutions like Chase Bank and XXXX failed to provide proper consumer protection or support.

Company response to consumer: Closed with explanation