vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: KS

Complaint narrative:
Paid more than total of the loan and interest continued to be higher than my payments. After paying far more than the loan principal I still owed over {$1000.00}. After trying to resolve the confusion and not getting anywhere, the company began sending " voluntary wage assignment '' garnishment orders to my HR department at my job. 

I was able to stop ACH withdraws but now they are demanding garnishment from my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/year> a hard inquiry was made on my credit profile.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX anXXXX XXXX XXXX I disputed and requested validation of an alleged Discover Bank account. Despite this, XXXX XXXX XXXX deposited my payment on XX/XX/XXXX without providing validation, violating FDCPA 1692g ( b ). On XX/XX/XXXX, I received a letter postmarked XX/XX/XXXX with only old Discover statements and an internal payment log. This is not lawful validation and was mailed after collection had already occurred. The letter also misrepresents the creditor as XXXX XXXXXXXX, XXXX, successor by merger to Discover Bank and conflicts with Discovers own claim that XXXX is acting as outside counsel. Because funds were accepted without validation, I consider the account settled, and any further collection or reporting is an attempt to collect a debt not owed. 

This is now my 6th CFPB complaint against XXXXXXXX XXXX XXXXXXXX and my XXXX2th overall complaint tied to this account ( 11 filed against Discover ). None have been substantively resolved. I respectfully request CFPB supervisory review, as this reflects a pattern of systemic noncompliance, not an isolated issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I
have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: UT

Complaint narrative:
b"I hired a plumbing/HVAC company (XXXX XXXX) to install a XXXX XXXX.  They came and first decided to charge me $XXXX more than we had agreed ($1232) because the electric outlet was not convenient for the installation - however, when they gave me the $XXXX  price, it was in person and they were able to see the location of my electric outlet.  Second, and most importantly, when they installed the microwave, there were two problems.  It is (a) not level (see pictures) nor (b) does it open fully (also see pictures.)  The technician (XXXX) acknowledged that it did not open fully and shrugged his shoulders.  I am not a confrontational person and did not know what to do, so I paid and they left.\n\nAfterwards, I realized that I should not pay for a job that was not completed as expected.  My expectation of a microwave is that I should be able to open it fully, which I cannot do (again, see pictures.)  It only opens 30% of the way.  So I called the company and told them I do not want their services going forward - they are untrustworthy.  The company's owner both called and texted me to see if I would let them fix it, but I do not trust them to do so.  I am spending almost $XXXX  to fix this issue with another plumbing/HVAC company, who pointed out additional mistakes in the water line to the dishwasher (see attached) which reinforces my unwillingness to use this company again.  I have attached the owner's text to show that he acknowledges it was not completed properly.\n\nI submitted a billing error claim against Discover.  My card number is XXXX XXXX XXXX XXXX.  Discover promptly took action to remove this disputed amount from what I owe; however, Discover requested documentation supporting my allegations (which is their right within Reg Z) but I am unable to upload the pictures supporting my allegations to their website (which is not fair.)  I am filing this complaint in order to submit these pictures and to let Discover know that: it is not okay make it difficult to provide documentation.  I am using a laptop computer.  My pictures are the correct size.\n\nI want this billing error claim to be found in my favor."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the unexpected and unexplained closure of my SoFi bank account. 

On XX/XX/year>, I received an email from SoFi Bank stating that my account had been closed effective immediately due to alleged activity in violation of the SoFi Bank Deposit Account Agreement. 

However, SoFi has not provided any specific reason or detail about what activity triggered this closure. I had not received any prior warnings, notices, or alerts regarding unusual, suspicious, or prohibited transactions. My account was in good standing to my knowledge. 

As a result of the account closure : I lost access to my funds without prior notice. 

All scheduled payments and deposits were disrupted. 

I experienced significant financial inconvenience and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America XXXX Enrollment Removed Unable to Complete Setup Despite Multiple Escalations. 

What Happened : On XX/XX/year> at XXXX XXXX ( ET ), received an email from Bank of America, XXXX has been deleted from XXXX We've removed XXXX from XXXX, and it's unable to receive money using your account ending in XXXX. This happened because we noticed you've conducted activity that's inconsistent with XXXX 's Terms and Conditions which has resulted in the inability to use XXXX with XXXX. Note : If you use this email address with XXXX or XXXX Banking, it's still linked with your profile. 

I have been unable to re-enroll in XXXX after my email was removed from my Bank of America account. When attempting to send money, I always receive the error message : Unable to complete your request : Your mobile number or email address cant be used with XXXX. 

Actions Taken : I called Bank of Americas main XXXXfraud line over several calls totaling about 70 minutes, speaking to eight different agents. None resolved the issue, though they confirmed the error persists. 

I also contacted XXXX support and spoke with two representatives ( over 20 minutes ). One identified as a higher-tier support specialist. They confirmed the issue lies with Bank of Americas fraud department and that XXXX can not resolve it, as XXXX is only a third-party payment network. 

Despite repeated efforts, I have not received a definitive explanation or an escalation to the correct internal department. I was not provided with a case number, a timeline for resolution, nor any details of the reason behind the removal of my enrollment.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX misdirected payments caused by recycled phone numbers Date of Transaction : XX/XX/year> XXXX XXXX XXXX XXXX XXXX  {$500.00} to XXXXXXXX XXXX XXXX XXXXXXXX ( Photo 1 ) Issue : - XXXX XXXX received a text confirming the XXXX transfer. ( Photo 2 ) - However, the {$500.00} never posted to her account. ( Photo 3 ) - She discovered her phone number was somehow removed from her bank account profile and incorrectly linked to another person ( a previous owner with a XXXX name ). ( Phot

o 4 ) Actions Taken : - She re-enrolled her phone number in her account. - I contacted Bank of America multiple times for support. - I filed two claims with the XXXX Department. 

Bank of America / XXXX XXXX : - Both claims were denied, stating the money went through under XXXX XXXXXXXX XXXX phone number. ( Photo 5 ) - Despite this, no funds ever posted to XXXXXXXX XXXX XXXX account!!! 

Today is XX/XX/year>, and there have been over one month of nonstop calls and follow-ups with Bank of America and XXXX. 
The issue remains unresolved, and {$500.00} is still missing!

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