vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased XXXX tickets through XXXX for XXXX XXXX  event totaling {$180.00}. The event was officially canceled on XX/XX/year>, per the organizers notice. According to the merchants policy, canceled events are eligible for a refund. I submitted a dispute to SoFi Bank, providing documentation showing the event was canceled and XXXX confirmed the order had been canceled and could not be reinstated. SoFi denied the dispute multiple times, stating no error occurred, relying on evidence showing I purchased the tickets, but ignoring that the service was not rendered because the tickets were canceled. The merchants policy is even mentioned on page XXXX of SoFi 's Representment document. 

A full set of supporting documentation is attached in PDF format for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
I spent several hours with cashapp customer support to try to regain control of my account. The email that I had submitted for the account was disabled due to fraudulent activity and so I could not receive the verification code necessary for me to access my account. I had all passwords and routing number and account number and provided my id, but to no avail. They refused to help me, because they said it was security precaution. I asked for guidance as to any way to recover my money and they said there was nothing I could do. It is beyond me how a bank could refuse me access to my money with proof of my identity. The were very unhelpful and rude. In addition, I have physical possession of the cashapp card that was mailed to me for the account mentioned. However since it wasn't activated yet I could not use it. They seemed happy to keep my money to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

A credit card account on my XXXX consumer report is being reported as OPEN, while the same account is reported as CLOSED on XXXX. Reporting conflicting account status across consumer reporting agencies is materially inaccurate and misleading. 

In addition, although this account should be closed, it reflects post-closure delinquency, including 90119 days late and XXXX days late, along with a last payment date after closure. The account is also reporting a balance exceeding the credit limit, resulting in excessive utilization that falsely suggests active delinquency. 

These inaccuracies create a false impression that the account remained open and continued accruing delinquency, which is not accurate. 



Why is this a problem? 

This reporting violates the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681c ( a ) Improper and misleading reporting of delinquency after account closure Reporting an account as open on XXXX while it is closed on another bureau is a material inaccuracy, not a minor discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On the XXXX XX/XX/year>, I was the victim of an impersonation scam involving concert tickets. I was contacted by an individual claiming to be a legitimate ticket seller. 

I sent XXXX XXXX payments from my Chase checking account totaling {$200.00} ( {$150.00} and {$50.00} ) after being misled into believing I was purchasing valid concert tickets. 

After payment, the tickets I received were fraudulent and unusable. I learned that the venue only accepts XXXX  tickets, which made the XXXX  transfer I received invalid. 

I contacted JPMorgan Chase to report the transaction as fraud. I was advised to resolve the issue directly with the recipient, which is not possible because the recipient is a scammer and has stopped responding. 

I am requesting reimbursement of the {$200.00} and a formal fraud review of these XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
On XXXX XXXX, XXXX Radius Global Solutions LLC placed a XXXX XXXX account as a collection on my credit reports ( XXXX, XXXX and XXXX ). The date they showed it was open was XX/XX/year>, however I did not have an account with XXXX XXXX. 

I have an account with XXXX XXXX XXXX that was opened in XX/XX/year>. Prior XXXX XXXX accounts were not opened in my name at my residence. This is not my account and should be removed from all major credit reporting bureaus.

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 2025-12-23 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: WA

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian and Equifax credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
The cited company stated that I missed/skipped a payment in XXXX and XXXX of 2025 which was 100 % erroneous. I requested that they provide the three major credit bureaus with written confirmation that it was an error on their part and not me as a consumer. The account shows a timely monthly payment for the month of XXXX. The three specific bureaus were : XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize the following hard inquiries reported on my credit report by XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX. These inquiries were not authorized by me. 

I am a victim of identity theft, and these inquiries are fraudulent. On XX/XX/year>, all three unauthorized hard inquiries were reported on my credit file. 

I am requesting that these inquiries be removed immediately. 

FTC Report XXXX : XXXX I have already filed an identity theft report with the Federal Trade Commission. Please see the attached documentation for your reference.

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Made a purchase XX/XX/XXXX. Was old on credit card to receive rewards. I never received rewards through the mailing service, although they said they sent them confirm through " informed delivery, '' mail visibility service provided by XXXX that I did not receive them. 

Called several times from XXXX - XXXX of XXXX, as I received more information on how the reward system worked and that the rewards had expired. As a help, a rep from store I made the purchase from told me would be reaching out to the regional XXXX to reinstate rewards.I also reached out to customer service and each time I was informed they would assist in reinstating the rewards that totaled {$500.00} and never received a response. Followed up in email to customer service rep after a missed call and never received a reply back, which was my last attempt on XX/XX/XXXX. 3 months of going in circles for no one to reach back out. 

There only way of sending rewards is through the mail, which has a high chance of not being received. They do not send through email or online portal like most companies. In my case of never receiving these rewards. I have no proof that thNo online portal or email

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-12-23 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information being reported on my Experian credit report. Experian is currently listing the address XXXX XXXX XXXX, XXXX, NY XXXX, which is not my address. I have no knowledge of this address, I have never lived at this location, and it does not belong to me in any manner. Despite my responsibility to maintain accurate credit information, Experian continues to report this incorrect address on my credit file, which violates the Fair Credit Reporting Act requirement that consumer reporting agencies maintain maximum possible accuracy. I am requesting that Experian conduct a proper reinvestigation and permanently delete this inaccurate address from my credit report. I also request written confirmation once the correction has been completed.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since XX/XX/2025, I have disputed charges with both XXXX and Experian for the amount of {$2000.00} for charges in which I did not authorize. Once I saw the charges I reported to XXXX and filed a claim but they stated that after they reviewed the information being disputed it was determined that the disputed credit reporting was reported correctly. The information is in accurate and false. I have disputed several times because the charges are fraudulent and it's affecting my credit do to non payment. I don't know what else to do or who I can get further assistance with this matter.

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 2025-12-23 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:
THIS LATE MARK DOES NOT REFLECT MY PAYMENT ACTIVITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc., specifically regarding inaccurate tenant history information being reported through XXXX XXXX system. 

Experian continues to report negative tenant history information related to an alleged debt furnished by XXXX XXXX XXXX ( XXXX ), despite the fact that this debt was never properly validated and was reported in violation of federal law. 

Key Facts : XXXX XXXX XXXX failed to provide the required written notice of the alleged debt and my right to dispute it, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
I timely mailed XXXX a debt validation request, which was ignored. 
XXXX also ignored multiple cease-and-desist notices sent via certified mail, yet continued furnishing information to Experian. 
Despite these failures, Experian has repeatedly refused to delete the tenant history entry and claims the information is verified and accurate. 

Why XXXX XXXX Is Inaccurate : A debt can not be verified as accurate when the furnisher failed to validate it to the consumer and failed to comply with the FDCPA. 
Experian is required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to conduct a reasonable reinvestigation when a dispute is submitted. 
Simply accepting XXXX  unsupported verification without proof of validation, assignment, or legal authority to collect does not meet XXXX  statutory obligations. 
XXXX XXXX reporting has directly caused housing denials, resulting in financial loss and significant stress. 

XXXX  Violations : Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i. 
Continued reporting of inaccurate and incomplete tenant history information. 
XXXX on a furnisher that is actively violating federal debt collection laws. 

Harm Caused : Denial of rental housing applications. 
Loss of application fees. 
Ongoing credit and tenant-history damage. 
Emotional distress and housing insecurity. 

I am currently pursuing legal action against XXXX XXXX XXXX for FDCPA, FCRA, and XXXX XXXX XXXX violations. XXXX continued reliance on XXXX  unlawful furnishing further compounds the harm

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 2025-12-23 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: FL

Complaint narrative:
This letter serves as a formal notice and dispute regarding the reporting of an account attributed to me that contains multiple material inaccuracies. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The account is reported inconsistently across credit reporting agencies. On TransUnion, it appears as an Open Account and Factoring Company Account, while on XXXX it is listed as a debt buyer collection with Terms : XXXX Month. A collection account can not legally have payment terms, nor can it be classified as an open or factoring account. These discrepancies constitute false and misleading reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681i, 1681e ).

Additionally, the reported Date Opened and projected removal dates reflect the debt buyers purchase date, not the true date of first delinquency with the original creditor, XXXX XXXX. This practice constitutes illegal re-aging in violation of FCRA 1681c and CFPB Regulation F.

Despite prior disputes, neither the furnisher nor the credit reporting agencies have provided competent evidence of ownership, including the original contract, a valid bill of sale, or a complete chain of title proving lawful assignment of this debt. Without such documentation, the account is unverifiable and must be removed immediately from all credit reports. 

I hereby demand that XXXX XXXX XXXX and all credit reporting agencies investigate and * * delete or correct this account * * promptly to ensure compliance with federal law. Continued reporting of unverifiable, inaccurate, and contradictory data is causing ongoing consumer harm. 


Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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