vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regarding my capital one account. Account XXXX XXXXXXXX. Dear Capital One Customer Support, I hope this message finds you well. I am writing to formally request a goodwill adjustment concerning XXXX recent late payment reported on my Capital One credit card account. 
I have been a loyal Capital One customer since XXXX  and have consistently managed my account responsibly with on-time payments for nearly a decade. Unfortunately, I recently encountered unexpected financial hardship due to reduced work hours and a significant household expensea broken stovethat forced me to divert funds toward daily grocery purchases. Coupled with rising inflation, this created a temporary financial strain. 
When I became aware that I might struggle to make my payment on time, I took proactive steps by contacting Capital One and setting up a payment plan. During this call, I was advised that my participation in the plan would not result in late payments being reported to the credit bureaus. Given this understanding, I was surprised to find that a late payment was subsequently reported to my credit file. 
I am requesting, as a courtesy and in recognition of my otherwise exemplary payment history, that Capital One consider removing this single late payment from my credit report. This mark does not reflect my long-term commitment to maintaining my financial obligations or my relationship with your institution. I take full responsibility for my debt and have taken steps to ensure this does not happen again. I will be making a payment in the coming days to being my account to current to prevent further late payments as I am starting to pick up more hours at work. 
I value my relationship with Capital One and would greatly appreciate your consideration in helping me maintain a positive credit history. I hope we can resolve this matter in a way that reflects the mutual respect and trust built over many years. 
Thank you for your time and understanding. I have attached my drivers license, ss card, abd utility bill for identification verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 because my credit report contains inaccurate and unauthorized information that has severely impacted my credit score, financial opportunities, and ability to access credit. Under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 611, and 623, I have the right to dispute and request the reinvestigation of all incorrect information. This complaint seeks immediate correction of all errors, removal of unauthorized inquiries, and proper verification of all accounts and addresses. 

XXXX  Account # XXXXXXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$190.00} CHARGEOFF * * This account is inaccurately reported as a charge-off without valid verification. No contractual documentation, original creditor confirmation, or account validation has been provided. Reporting unverified charge-offs violates FCRA 602 and 611. The continued reporting negatively impacts my credit score and misrepresents my financial responsibility. Prior disputes have been ignored or inadequately addressed. This misreporting can result in wrongful denial of credit and higher borrowing costs. I demand immediate deletion until full verification is supplied. The ongoing error demonstrates willful noncompliance and harms my financial reputation. Immediate corrective action is required to comply with federal law.

The inclusion of this false address, the incorrectly reported late payment, and the unauthorized inquiry have caused significant financial harm, reduced my credit score, and limited my access to credit. I request that CFPB ensure a full investigation under FCRA Section 611, correct or remove all inaccurate information, and ensure my credit report reflects accurate, verified, and legally authorized data. Immediate action is required to restore my creditworthiness and protect my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX I applied for a car loan with XXXX XXXX XXXXXXXX. I am a resident of XXXX  the car was shipped to me XX/XX/XXXX instantly off the truck it wasnt in driving condition every light was lit up on the dash the car wouldnt keep speed or accelerate it had to be towed home. 

Prior to this we had already had an issue with the vehicle being repaired for over a month after financing and delivered. 
They had me speak to a customer service representative by the name of XXXX who told me the car was shipped and my money didnt pay her bills. 

I reached out to my sales rep immediately, with pictures videos and proof of the cars condition. He sent me to XXXX XXXX who is the assistant manager He assured me via email it would be fixed. then cut all communication. Immediately I stated I wanted to ship the vehicle back. No one responded. I was then referred to email XXXX  XXXX who is the car lot general manager. No replies at all. 


At this point I reached out to fifth third underwriting dept who assured me lemon laws would protect me and that they would reach the car lot representative and get back with me. Ive yet to receive a response from underwriting and now every representative at fifth third acts like they cant transfer me only take a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I have no connection with this account being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I have no connection with this account being reported.

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 2025-10-10 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 submitting this complaint against the XXXX major credit bureausExperian, XXXX XXXX XXXXXXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX XXXX XXXX to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-10-10 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-10-10 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am requesting that LVNV Funding LLC immediately delete this account ( XXXX ) from all consumer credit reports with XXXX XXXX XXXX XXXX 

LVNV has failed to provide the original signed contract or complete validation of this alleged debt, which violates FDCPA 1692g ( b ) and FCRA 1681s-2 ( a ).

I have already submitted a complaint to the XXXX XXXX XXXX XXXX XXXX XXXX, and I am now requesting the CFPBs investigation and enforcement to ensure the account is permanently deleted, and that LVNV Funding LLC ceases all reporting, collection, or resale activity related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-10 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: TX

Complaint narrative:
Adhere to 15 U.S. Code 1681g by eliminating the disputed accounts within the required period.

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 2025-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
This is a follow-up to a previous complaint ( Complaint ID XXXX ) regarding inaccurate credit reporting by EdFinancial Services. 

On XX/XX/XXXX, EdFinancial sent me the attached letter confirming my account was under XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 

However, EdFinancial reported me XXXX  days delinquent in XX/XX/XXXX for the same period, creating a direct conflict between their internal records and the information furnished to XXXX, XXXX, and XXXX. 

This new documentation contradicts their earlier response and demonstrates inaccurate or misleading reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). 

I am requesting that this new evidence be reviewed and that the CFPB direct EdFinancial to correct or remove the erroneous late reporting from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Comerica
State: PA

Complaint narrative:
Comerica bank.XXXX XXXX card service was sent a payment from social security XXXX XXXXSocial Security gave me emergency check and instructed Comerica bank to send {$1300.00} check back to social security.They didnt do that.I tried fighting XXXX XXXX for money and was denied.Please help me get XXXX XXXX to send money to me or social security.As a result of current situation, Social Security plans to take my XXXX payment Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MI

Complaint narrative:
Account number XXXX with XXXX XXXX has . Been returned to me as Verified yet this information is grossly inaccurate. 

As previously stated neither XXXX XXXX or XXXX XXXX can verify chain of custody of this account. 

XXXX XXXX has said they sold the account to XXXX XXXX, and XXXX XXXX has said they sent the account back to XXXX XXXX. This back and forth between the XXXX creditors show inaccurate record keeping, unverifiable chain of custody all of which violate federal law FCRA. 

I demand immediate removal of this account from all consumer credit reporting agencies ; if my requested is not met, I will be forced to pursue legal action against all involved parties Thank you in advance 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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I opened my SoFi account in early XXXX. XXXX  by depositing {$50.00}. 
I made some small debit card transactions. 
XX/XX/XXXX and XXXX, I made {$20000.00} deposits from my checking account at XXXX, the following day I deposited {$500.00} from my XXXX XXXX. 
XXXX XXXX, I made some some purchases at XXXX. 
On the XXXX, I deposited an extra {$5000.00}. and {$7000.00}. 
On the XXXX, I deposited {$20000.00}. from XXXX and made a small crypto purchase at XXXX. 
On XX/XX/XXXX, my account was frozen.

The notice on the app said : " Restricted for unusual activity, for your protection. For help, call us and press 8. '' I have called at least five times that I can remember. They just keep saying '' their security team is looking into it, it may take 60 days. '' Another individual told me to " close the account and send the money to myself as P2P ", to which I said that I had had no idea what that meant. Obviously, with the account restricted/frozen, I can't send or receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Subject : SoFi Bank failed to resolve ongoing issues related to XXXX XXXX by SoFi and has continued to mishandle account blocks and charge disputes. 

Timeline and Description : 1. I originally filed a CFPB complaint in XX/XX/year> regarding my XXXX XXXX by SoFi account. XXXX claimed I did not have a XXXX XXXX account even though I was able to view my SoFi card details ( card number, CVV, expiration date ) through XXXX XXXX, which is branded as XXXX Money by SoFi. XXXX later admitted this was part of their interface and confirmed the issue existed on their side. 

2. SoFis representative, XXXX XXXX, from the XXXX XXXX team, emailed me under the subject SoFi XXXX  XXXX  CFPB Complaint - Case # XXXX - Additional Information Needed. She claimed XXXX XXXX by SoFi was a type of account, which is incorrect. It is a feature within XXXX XXXX that integrates my existing SoFi account. 

3. I replied to XXXX on XX/XX/year>, explaining this in detail and clarifying that XXXX XXXX by SoFi simply connects to the SoFi account and allows viewing of checking, savings, and debit card details. I also noted that XXXX Pay repeatedly denied I had an account even while I was actively using the service. I never received a reply from XXXX or any resolution from SoFi. 

4. On XX/XX/year>, I called SoFi customer service to request a block on a merchant named XXXX from charging my account. The agent confirmed that a block would be placed and would remain active for 4090 days. 

5. On XX/XX/year>, I noticed that XXXX attempted to charge my account again. I called SoFi and was told that the previous agents block request from XX/XX/XXXX was visible in the system but was never actually reviewed or activated by anyone at SoFi. 

6. The new agent I spoke with on XX/XX/year> submitted another request to block XXXX. Despite this, I am still seeing charge attempts from the same merchant. 

7. This repeated failure to take action demonstrates negligence by SoFi in managing consumer accounts and protecting customers from unauthorized or disputed charges. It also shows poor internal handling of CFPB complaints, as my original issue with XXXX XXXX by SoFi remains unresolved since XX/XX/year>. 

Requested Resolution : - Immediate investigation into why the previous block request from XX/XX/year>, was never activated. 
- Confirmation that the XXXX merchant has been successfully blocked from charging my account. 
- A full written response addressing the unresolved XXXX XXXX by SoFi account access issue tied to CFPB Case # XXXX. 
- Compensation for the time and stress caused by repeated mishandling of my account and lack of follow-up from SoFis XXXX XXXX team.

Company response to consumer: Closed with explanation