vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ( TransUnion & Experian ) Subject : Request for Investigation & Deletion of Inaccurate Account # XXXX Dear [ Bureau ], I am disputing the accuracy of the following tradeline XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported By : [ TransUnion & Experian ) ] XXXX  Status : Derogatory / Delinquent This account is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), you must maintain maximum possible accuracy. I request validation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Additionally, under the Uniform Commercial Code ( UCC 3-501, 3-505, 3-601 ), the furnisher of this account must produce the original signed contract or proof of assignment. If such validation can not be provided, this entry is legally unenforceable and must be deleted. 
I request that this account be investigated and removed within the statutory 30-day period. Please provide me with an updated copy of my credit file once completed. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
In XXXX I got an offer from SOFI. I applied to refinance my student loans. The asked for all of my information, income, job, ss, and I submitted the information. I received an approval for XXXX  % with auto pay. I waited about XXXX weeks to get a pay stub from my employer. I had a co-signer with a credit score of XXXX and my credit score of XXXX. I then moved forward with the loan. They confirmed my loan amounts and asked for my banking information to set up auto pay. As soon as I submitted the information they sent me a message saying that the rate was now XXXX  % I called and asked about it and they said that when they did the hard pull that my information must have changed. It did not. Then they said that a month ago the rates were lower, which again is a lie. The rates are going lower now higher right now. I called and asked for a supervisor to get the new rate. They refused to provide the quoted rate. This is bait and switch. They prey on young people who don't know that this is unethical and illegal behavior. I asked them to provide me with the XXXX  number which SOFI advertises they have. XXXX the supervisor refused. They hard pulled my credit and waited my time. I told them to cancel the loan. This type of business practice is illegal. They didn't quote me a range of rates depending on my credit. They were provided with mine and my co-signers specific income, ss, and all the details to pull credit and quote me a specific rate of XXXX  % and provided me with a payment amount of {$590.00}. The soft pull and the hard pull information did not change. They should be forced to honor the rate they quoted to me. ( I have the screen shot of the original quote of XXXX XXXX  % for XXXX  years {$560.00}. When I actually submitted the information for the hard pull it was the same info but the loan amount was accurate with {$84000.00}. so the rate stayed the same of XXXX  % but payment went to $ XXXX. I do not have that screen shot because I trusted it was going to be approved for that amount since it had only adjusted the dollar amounts and not the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I disputed inaccurate and conflicting information Equifax is reporting regarding a XXXX XXXX account XXXX In my dispute, I specifically requested : Identification of the furnisher of the information, The method of verification used, and Copies of documentation relied upon in XXXX  investigation, as required under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). 

Equifax failed to provide any of this information. Instead, they issued a vague and non-responsive statement referencing a member number, which does not address my actual requests. This shows Equifax did not conduct a reasonable investigation as required by law, and instead relied on boilerplate responses to dismiss the dispute. 

By continuing to report unverifiable and conflicting information, Equifax has not only harmed me personally, but also my business, XXXX XXXX XXXX, XXXX, by restricting its ability to obtain credit, negatively affecting operations, growth, and my earning potential.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
We had our mortgage with XXXX XXXX and they sold it to XXXX XXXX  but XXXX care took over we set an agreement with the bank that they will take the payment every month on the XXXX out of his social security. We have made all our payments. My husband had an accident in XXXX  and has XXXX. I was still making the loan payment on the XXXX. Loan care wants it on the XXXX. I have been over and over this with them and they dont budge. In They sent me a default letter for over XXXX dollars I gave them XXXX then and they informed me I had till XX/XX/XXXX to come up with another XXXX XXXX dollars. We received my husbands settlement and I sent them a full extra month payment. Well got the new bill Monday and they charged me XXXX XXXX dollars of late fees. So this month I have pay XXXX dollars. I need something I have fought with these people till ther is nothing left. I have had XXXX different loan officers tell me they are screwing with my account and an attorney has look at it and said it is totally messed up. My husband has always kept this loan up and XXXX cant get them to help at all. I ask them to lower my payment they said no. I have hired a debt department to try and fix all of this. He had a bad accident and does not deserved to be treated like this.and he does not need to have his credit destroyed over something he could not help. I have done all I can do and I need the laws that look out for XXXX people to take over and fix this. He was so hard working and always paid on time and these people are trying to smear him in the ground and I would deeply appreciate your help in getting this taken care of. I need a major over haul with the loan company and these creditors and I would be forever thankful. Thank you for your Help. Sincerely XXXX XXXX XXXX to hear from you soon.

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 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: WI

Complaint narrative:
I followed up with the information that was given to me and there was no results so I went back to credit karma and spoke to many customers service representative and also XXXX XXXX and still no response on where my funds at and haven't received anything and it been since XXXX, XXXX. I haven't received anymore information about my funds and I really need my funds badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
am submitting this complaint regarding the continued inaccurate reporting on my credit files by TransUnion, XXXX, and Equifax, which is directly harming my ability to expand my business and access necessary financing. Due to these incorrect and unverifiable entries, my credit profile has been negatively impacted, resulting in : Denials or limitations of business credit and financing Increased interest rates on existing or potential loans Direct interference with my business growth and economic opportunities This harm violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Bureaus must maintain maximum possible accuracy. FCRA 611 ( 15 U.S.C. 1681i ) Disputed information must be reasonably reinvestigated and corrected. I have disputed these inaccuracies with each credit reporting agency, yet the erroneous accounts remain and continue to cause financial harm to both my personal and business credit standing. I request that the CFPB investigate this matter, compel the credit reporting agencies to fully comply with the FCRA, and require the prompt correction or deletion of the inaccurate information so that I may move forward with my business expansion without undue damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an American Express XXXX  card with a balance of {$310.00}. This is a virtual card. I have confirmed that the card is active and the balance is available. 

However, the card can not be used : It gets declined both online, in-store and when attempting to add it to any digital wallet ( XXXX XXXX, XXXX XXXX XXXX etc. ). 

The card issuer confirms it is active and funded, but provides no explanation why transactions are blocked. 

The card has not been used, it is in my possession, and it is not expired. 

I contacted the merchant and verified the balance electronically, but the card still does not work. From research and consumer forums, many people report the same issue with Amex XXXX  cards. American Express also refuses to provide a clear list of restricted merchants, effectively making it impossible to use the funds. 

This is unacceptable I can not access the {$310.00} that rightfully belongs to me. It seems like the product is deliberately restricted without transparency, leaving consumers unable to use the money. 

I attached XXXX pdf with the card information and transactions history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
Cash app put a lock on my account and said due to suspicious activity, nothing has changed theres no reason for them to do that, they told me 24 to 48 hours its been way longer n not they just say they cant tell me anything else until their done with their investigation .. its my money I do not understand how they just can keep it .. yet they will let me request money n let ppl request it from me but wont let me spend it, put a hold on it .. Thats really messed up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MD

Complaint narrative:
CRAs continue to report late payments on my XXXX XXXX XXXX account. XXXX shows all on-time. This violates FCRA 607 ( b ) requiring maximum possible accuracy. 

I Have attached the proof of the online payments reporting on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: MD

Complaint narrative:
CRAs continue to report late payments on my XXXX XXXX XXXX account. XXXX shows all on-time. This violates FCRA 607 ( b ) requiring maximum possible accuracy. 

I Have attached the proof of the online payments reporting on 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 2025-08-16 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:
i was looking at my credi repor and noiced that were hard inquires that are not mine on there.

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am formally requesting the following documentation as required by law to validate the alleged debt : Complete chain of title/chain of custody from the original creditor to LVNV Funding, including all intermediate assignments. 

XXXX XXXX XXXX or equivalent agreement governing the sale or transfer of the account. 

Executed Contract of Assignment or Bill of Sale demonstrating that LVNV Funding acquired full legal rights to enforce the account. 

Original signed credit agreement and full account-level documentation substantiating the amount and terms of the alleged obligation. 

This demand is supported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record does not satisfy validation requirements ; proper documentation of assignment and ownership is mandatory. 

If the requested documentation is not provided through this CFPB process and LVNV Funding continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and FCRA. 

Consider this my final notice and intent to initiate litigation in federal court for all applicable claims if full compliance with the law is not achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OZK
State: AR

Complaint narrative:
I got scammed by loan company that I later found out was not a loan company and they wanted me to pay the first three months loan payments upfront because my credit score is low and Im a high risk customer. So I did it and waited for the loan and never received it and bank ozk said they would credit my account for the money lost and then never did and tried telling me they updated there terms and policy agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
They violated my right as a consumer under 15US1681B and I need these items blocked and deleted from my credit report as soon as possible. Remove XXXX account number 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 2025-08-16 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: MS

Complaint narrative:
They violated my right as a consumer under 15US1681B and I need these items blocked and deleted from my credit report as soon as possible. Remove XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
They violated my right as a consumer under 15US1681B and I need these items blocked and deleted from my credit report as soon as possible. Remove XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ( TransUnion & Experian ) Subject : Request for Investigation & Deletion of Inaccurate Account # XXXX Dear [ Bureau ], I am disputing the accuracy of the following tradeline XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported By : [ TransUnion & Experian ) ] XXXX  Status : Derogatory / Delinquent This account is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), you must maintain maximum possible accuracy. I request validation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Additionally, under the Uniform Commercial Code ( UCC 3-501, 3-505, 3-601 ), the furnisher of this account must produce the original signed contract or proof of assignment. If such validation can not be provided, this entry is legally unenforceable and must be deleted. 
I request that this account be investigated and removed within the statutory 30-day period. Please provide me with an updated copy of my credit file once completed. 
Sincerely, 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX Account # XXXX To Whom It May Concern, I am filing this complaint to dispute the reporting of an account being furnished by XXXX XXXX XXXX, XXXX under Account Number XXXX. 
This account is reported as a rental debt. I have already submitted a validation request directly to XXXX XXXX. The company has failed to provide any of the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA 809 ) and Fair Credit Reporting Act ( FCRA 1681i & 1681s-2 ), including : A signed lease agreement, A complete rental ledger/accounting, Move-out inspection reports and itemized damages, Proof of assignment or legal right to collect. 
Furthermore, the CFPB closed my initial complaint against XXXX XXXX  and forwarded it to the FTC, which indicates that the furnisher is not responsive to consumer protection oversight. This further demonstrates that the account is unverifiable, inaccurate, and incomplete under FCRA standards.

Requested Fair Resolution : I request the permanent deletion of this account from my credit file with all three credit reporting agencies ( Experian, Equifax, TransUnion ) and written confirmation that no further reporting or collection activity will occur. 
This furnisher has failed to validate, and continued reporting constitutes willful noncompliance with federal law. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
I am writing to follow up on a dispute I previously filed regarding an unauthorized credit inquiry from XXXX XXXX XXXX XXXX. Despite my dispute, the inquiry continues to appear on my credit report. 
To be clear, I never authorized this inquiry. Under the Fair Credit Reporting Act ( FCRA ) Section 604, credit reporting agencies may only report inquiries that I personally authorized or initiated through a credit application. Because I did not authorize this, the continued reporting of this inquiry is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I recently checked my credit report and noticed multiple account that do not belong to me fraudulently reporting.

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 2025-08-17 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: IA

Complaint narrative:
I recently checked my credit report and noticed multiple account that do not belong to me fraudulently reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> I applied for a lowes business XXXX vendor account for my business. They proceeded to open a credit card application in my name, with a personal guarantee that placed a hard inquiry on my credit. I told them I did not authorize this. They said it was " in the fine print ''. I told them I was under the impression that a business with an EIN and a DUNS number does not report to personal credit and they said that they did not have an EIN on file. I submitted the EIN on my application. I did NOT authorize a personal credit hard pull and I'm quite upset that they did so for such a small credit line. I would never have authorized a credit pull for my personal credit for a XXXX credit line.

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