vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: NJ

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
XXXX XXXX XXXXXXXX Account Number : XXXX  Date Opened : XXXX XXXX, XXXX Amount : {$0.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17000.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2500.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$14000.00} Please remove it from my credit report under 15 USC 1681i XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Please remove it from my credit report under 15 USC 1681i

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 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made an international wire transfer with Bank of America from USD to AED. Funds transfer failed due to an issue with receiving back and were sent back. It has been more than 10 business days and the funds have not reflected into my account. 

I am receiving no information about the estimated time period of receiving funds back and reasons for the delay

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 2025-07-14 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: VA

Complaint narrative:
I am filing this complaints because XXXX XXXX has inaccurately reported a 30-day late payment on my credit report for XX/XX/year>. 

I contacted XXXX via their secure messaging system, and they confirmed the following : -My initial payment attempt wa returned due to insufficient funds. 
XXXX made a successful payment shortly after. 
-The full payment was completed within 30 days. 
-I was refunded the late fee, as XXXX determined I was not 30 days past due. 

XXXX also stated they typically do not report late payments unless the account is 60 days overdue. Despite this, a 30-day late mark was still reported to the credit bureaus. 

Additionally, I reviewed all of my credit card statements starting from XX/XX/year>, and none of them show any past due amount for the reported period. I submitted the secure message screenshots as part of my dispute with the credit bureau, but the dispute was denied without valid explanation. 

I am now requesting that the CFPB review this issue and help ensure the inaccurate 30-day late payment is removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaints because XXXX XXXX has inaccurately reported a XXXX late payment on my credit report for XX/XX/year>. 

I contacted XXXX via their secure messaging system, and they confirmed the following : -My initial payment attempt wa returned due to insufficient funds. 
XXXX made a successful payment shortly after. 
-The full payment was completed within 30 days. 
-I was refunded the late fee, as XXXX XXXX I was not 30 days past due. 

XXXX also stated they typically do not report late payments unless the account is 60 days overdue. Despite this, a XXXX late mark was still reported to the credit bureaus. 

Additionally, I reviewed all of my credit card statements starting from XX/XX/year>, and none of them show any past due amount for the reported period. I submitted the secure message screenshots as part of my dispute with the credit bureau, but the dispute was denied without valid explanation. 

I am now requesting that the CFPB review this issue and help ensure the inaccurate XXXX late payment is removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: VA

Complaint narrative:
I am filing this complaints because XXXX XXXX has inaccurately reported a XXXX late payment on my credit report for XX/XX/year>. 

I contacted XXXX via their secure messaging system, and they confirmed the following : -My initial payment attempt wa returned due to insufficient funds. 
XXXX made a successful payment shortly after. 
-The full payment was completed within 30 days. 
-I was refunded the late fee, as XXXX XXXX I was not 30 days past due. 

XXXX also stated they typically do not report late payments unless the account is 60 days overdue. Despite this, a XXXX late mark was still reported to the credit bureaus. 

Additionally, I reviewed all of my credit card statements starting from XX/XX/year>, and none of them show any past due amount for the reported period. I submitted the secure message screenshots as part of my dispute with the credit bureau, but the dispute was denied without valid explanation. 

I am now requesting that the CFPB review this issue and help ensure the inaccurate XXXX late payment is removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 

The following personal information is incorrect : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2100.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$4100.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2500.00} Please remove it from my credit report under 15 USC 1681i

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 2025-07-14 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.

Complaint narrative:
Am having a problem with this company of XXXX XXXX XXXX, its started the first time last year around XXXX when I checked my inquiry on my credit report I am surprised to see the name of this company that I could remember my self doing inquiry on them and I called them and XXXX asking how come your appears on my credit report without doing inquiry on your company the guy I was talking to was rude on me when I call him on XXXX he just XXXX XXXX  hes name XXXX XXXX XXXX. Now they repeat again on XX/XX/year>.

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 2025-07-14 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Ive tried calling several times and get disconnected. Ive contacted the credit bureaus and they have unverified the collections and they still will not remove it. Ive exhausted all resources on trying to get this removed as this was fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

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 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 2025-07-14 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 have previously disputed Experian, XXXX XXXX XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-07-14 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: NY

Complaint narrative:
Re : AccounXXXX XXXX XXXX XXXX XXXX I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by XXXXXXXX XXXX XXXX XXXX 

I am disputing this account based on violations of the XXXX XXXX credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. In addition, according to because it is a charge off with a profit loss, I should have been sent a XXXXXXXX XXXX form. In addition these XXXX XXXX laws are being violated : 15 USC 680z - Banks are supposed to let me know about the credit reporting ; 15 USC 1681b - Send me written instructions that it will be on my credit report and 18 USC 1028a - passing my info without lawful authority. 

After reviewing my credit report and the information provided by XXXX XXXXXXXX XXXX  XXXX XXXX have found several violations of the XXXX XXXX XXXX. These violations include : Incorrect balance and an incorrect payment history. 

Based on these violations, I request that you remove this account from my credit report. I have already contacted XXXX XXXX and XXXX that they remove the account, but they have refused to do so. 

Please investigate this matter and remove this account from my credit report if you find that it has been reported inaccurately or in violation of the XXXX XXXX guidelines. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Re : Account XXXXXXXX XXXX XXXX XXXXXXXX I am writing to dispute the validity of an account that has been reported on my credit report. The account in question is a charged-off account that has been reported by Apple/Goldman Sachs Bank . 

I am disputing this account based on violations of the XXXX XXXX credit reporting guidelines. According to these guidelines, a charged-off account should be reported accurately and fairly, and any inaccuracies or violations of these guidelines may result in the account being removed from my credit report. In addition, according to because it is a charge off with a profit loss, I should have been sent a XXXXXXXX XXXX form. In addition these three USC laws are being violated : 15 USC 680z - Banks are supposed to let me know about the credit reporting ; 15 USC 1681b - Send me written instructions that it will be on my credit report and 18 USC 1028a - passing my info without lawful authority. 

After reviewing my credit report and the information provided by Apple/Goldman Sachs Bank , I have found several violations of the XXXX XXXX XXXX. These violations include : Incorrect balance and an incorrect payment history. 

Based on these violations, I request that you remove this account from my credit report. I have already contacted Apple/Goldman Sachs and requested that they remove the account, but they have refused to do so. 

Please investigate this matter and remove this account from my credit report if you find that it has been reported inaccurately or in violation of the XXXX XXXX guidelines. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: MD

Complaint narrative:
I pulled my credit report last week and noticed the charge-off from XXXX XXXX. I sent them a letter on XX/XX/XXXX, requesting a copy of the XXXX. 

According to the IRS, creditors must issue a XXXX within XXXX   months of charge-off ( 26-CFR 1. 6050P-1 ). I want to verify it was charged off properly through the correct channel and I need it for tax and dispute documentation purposes only. 

Secondly, I have the right to dispute a debt in collection if I believe they are trying to collect more than what's owed. 

XXXX XXXX must issue the form if a debt of {$600.00} or more has been canceled or forgiven by law. I filed a complaint against CRA XXXX  due to inaccurate information on the credit report under this account. I did everything I was supposed to do under the federal law. 

XXXX XXXX sent me an email today about my request. DOCUMENTATION IS PROVIDED. Indicating it was charged off since XX/XX/XXXX and was sold to XXXX XXXX, XXXX. Then proceed to tell me that a XXXX is only provided when you settle an account for less than is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I am filing this complaint because SoFi is currently holding my funds without providing a clear explanation or timeline for resolution. My account was placed under review/restricted, and I am unable to access the money that I legally deposited.

I have attempted to contact SoFi customer support multiple times to get clarification on the status of the review and the reason for the hold. However, I have not received any specific information, only vague responses that my account is being looked into. This lack of transparency and access to my own funds is causing significant financial hardship and stress. 

To my knowledge, I have not violated any terms and conditions of the account, and I have not been notified of any suspected fraud or wrongdoing. I am simply trying to access my own money.

I am requesting that the CFPB investigate this matter and urge SoFi to either release my funds immediately with a detailed explanation. I believe this treatment is unfair and potentially unlawful under consumer banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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