vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
XXXX XXXX I had XXXX deposited into my Sofi bank acct. On XX/XX/year> with out my consent or my knowledge my bank login was changed along with my email password and phone number we're changed so I couldn't see or get a warning over the phone that someone got into my acct and sent all my money to someone named XXXX XXXX in XXXX XXXX and used XXXX $ of my money for transportation and the other two transfers were for XXXX and XXXX. All on the same day without me knowing because I was locked out of my acct because someone hacked my acct changing all my login info. I finally got all my login back in order and when I logged in all bit XXXX $ were gone from my acct. So Sofi bank put a provisional credit to my acct but also restricted my acct at the same time so I couldn't use my acct to pay my bills then they told me that no error accured and basically this was my fault .1st shouldn't I get informed when someone is making changes to my acct like the login and email and phone number? I was never notified that my info was all changed. Would that not be a security issue when all the sudden someone is changing another 's banking info? Since I was not notified that all my logins were chsnged {$3600.00} was stolen from my acct and I want it back. This is not my fault and Sofi could have prevented my money from being sent to XXXX XXXX and leaving me broke and behind on all my bills. So then Sofi just closes my acct and sends me XXXX $ that the hackers left in my acct. This is Sofi banks fault in the 1st place by not notifying me when my login were changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-11 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: MI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-11 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 am filing a complaint to formally dispute and request the immediate removal of certain accounts appearing on my credit report. These accounts are inaccurate and unauthorized, and I believe they may be the result of identity theft or other unauthorized activity. Under 605B 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I have the right to require that consumer reporting agencies block any information resulting from identity theft or fraudulent activity, thereby removing it from my credit file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 am filing a complaint to formally dispute and request the immediate removal of certain accounts appearing on my credit report. These accounts are inaccurate and unauthorized, and I believe they may be the result of identity theft or other unauthorized activity. Under 605B 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I have the right to require that consumer reporting agencies block any information resulting from identity theft or fraudulent activity, thereby removing it from my credit file. 
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

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 2025-08-11 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 am writing to dispute an unauthorized hard inquiry appearing on my credit file. I have not initiated or permitted such a request.

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 2025-08-11 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:
A late payment has been reported on my account that is factually wrong. I have maintained a perfect on-time payment record, and this false mark is unjustly harming my credit profile. Under the FCRA, you are obligated to ensure the accuracy of all information furnished.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-08-11 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - {$26000.00} Inquiries : XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 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 2025-08-11 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am filing a complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
Please remove the following Chargeoff Accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7400.00}

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 2025-08-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Skrill USA, Inc.
State: WV

Complaint narrative:
See attached I have been trying to dispute duplicate transactions on my debit card but XXXX continues to close out my case and ask me to fill out a form which I have submitted multiple times I cant get through to anyone and the chat is a bot only and you cant respond to the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
b"I addressed Navy Federal Credit Union about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have his birth certificate \nHis ss card his drivers license \nHis business license \nI have everything to prove this is my father and I am his daughter \nHe has 2 personal and 2 business accounts and I have all the account numbers \nIf they request them \nI am the only one to have access to his account \nNot his wife but his daughter \nLisa Walker \n\n\naccount closure of all my father's accounts after his passing and they would not give me any information. There is no will and and I am the only one who he gave permission to have access to his account and it is documented. They allowed someone who doesn't have authority to close the account and take his money from all the accounts and it was not me and further more they never contacted me by phone nor email of anyone trying to access his accounts. I want the money returned and returned to me as he daughter and the only authority to have access to his account. If they can submit any other documents to prove this is not true then send them, if not return the proceeds to me."

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I discovered a family member had used my identity to open up checking accounts and credit accounts that I did not authorized. I see inquiries that I did not authorized XXXX accounts that I did not open. There is an account with XXXX XXXX opened on XX/XX/2024 with a {$290.00} balance which i never opened. 

Also, XXXX XXXX card services and time financing services put a hard inquiry on my credit report and I never applied for an account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
on XX/XX/year> i cancelled transaction XXXX on {$1000.00} because bank refused to issue money to receiver. Company promised to refund in 7 days, but today i still don't have money in my pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
FINAL NOTICE FAILURE TO COMPLY WITH FCRA INVESTIGATION DEADLINE FCRA 611 ( a ) Demand for Immediate Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Failure to Respond to Dispute XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX CFPB Complaint Date : XX/XX/XXXX To Whom It May Concern, On XX/XX/XXXX, I submitted a written dispute regarding an inaccurate 30-day late payment reporting for XX/XX/XXXX on my XXXX XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX  This dispute was properly filed with full identifying information and supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation and provide the results within 30 days of receiving the dispute ( or 45 days if extended under 611 ( a ) ( 1 ) ( B ) due to additional information being provided ). My dispute has now been open for 57 days without a final determination well beyond the statutory deadline. 

Your failure to complete the investigation and provide results within the timeframe prescribed by law constitutes a clear violation of the FCRA. As the disputed late payment has not been verified within the required period, you are legally obligated to delete the disputed information from my credit file.

Demand for Immediate Action : 1. Delete the XX/XX/XXXX XXXX late payment from my XXXX XXXX XXXX  account. 
2. Provide written confirmation of deletion within 5 business days of receipt of this notice.

3. Update and furnish corrected credit reports to all parties who have accessed my file in the last six months, as required under FCRA 611 ( d ).

If you fail to comply with this demand, I will proceed with all available legal remedies, including : Filing a follow-up CFPB complaint citing your violation. 
Reporting this violation to my State Attorney Generals Office.

Pursuing a civil action under FCRA 616617 for willful and/or negligent noncompliance, seeking statutory damages, actual damages, attorneys fees, and court costs.

This letter serves as final notice before escalation. Please govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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