vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for I need need account number is XXXX checking and saving account to be fully restricted and blocked and return any direct deposits that the accounts get and stop it and block it and denied it and reject it and return it back to the sender my phone number is XXXX and email is XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting a medical collection on my TransUnion credit report that is inaccurate and unverified. I do not have any account with XXXX XXXX XXXX, and I was never notified by XXXX XXXX or any provider that my information would be sent to collections. 

I disputed this account with TransUnion in XX/XX/year>, but they simply marked it verified without providing any supporting documentation or the required method of verification. TransUnion has failed to provide any records or proof showing how the item was verified or where the information came from. 

XXXX XXXX XXXX has never sent me a validation notice, a full itemized bill, or proof that they are legally authorized to collect this debt. If this debt is related to medical services, the disclosure of my personal health information to a third-party debt collector without my signed authorization would violate HIPAA ( 45 C.F.R. 164.508 ). 

TransUnion and XXXX XXXX XXXX are both in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : FCRA 611 ( 15 U.S.C. 1681i ) TransUnion must conduct a reasonable reinvestigation and provide the method of verification upon request.

FCRA 609 ( 15 U.S.C. 1681g ) I am entitled to see all information in my file and the sources of that information. 

FCRA 623 ( b ) XXXX XXXX XXXX must conduct a reasonable investigation after receiving notice of a dispute and correct or delete inaccurate data.

FDCPA 809 ( 15 U.S.C. 1692g ) A debt collector must provide written validation of the debt before continuing collection efforts.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear. I request that these entries be validated, and if they can not be confirmed, they must be corrected or removed.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: MS

Complaint narrative:
Shows multiple 30/60/90 late codes and Loan modified comments, but the balances, last-payment dates, and reported dates dont align across CRAs. After dispute, no itemized payment ledger or modification documents were produced. Reporting inconsistent dates/status is inaccurate under FCRA 623 ( a ) and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
b'On XXXX XXXX XXXX I purchased solvent from XXXX. for XXXX  via VENMO\nXXXX  Received receipt from company that it was shipped XXXX  via XXXX  XXXX  with tracking number.      ATTACHMENT 1,2,3\nXXXX  Received email from XXXX  est. delivery XXXX     ATTACHMENT 4\nXXXX  Received updated email from XXXX rescheduled for XXXX  ATTACHMENT 5\nXXXX XXXXXXXX  sent email, package shows still in Transit ATTACHMENT 6\nXXXX Received phone call as per email. Was told last scanned over 24 hrs ago,  Any package that goes unscanned for 24 hrs, is considered lost per XXXX, told to contact bank /sender.\nXXXX sent email to Qual.com saying product lost \nXXXX called Venmo to file a dispute, told needed to wait\nXXXX  file dispute with Venmo #XXXX uploaded 2 documents out of 7 documents...\nEmailed the 5 other supporting documents 5 times but still doesnt show under dispute.\nXXXX  until XXXX i have called Venmo 5 times and 1O emails.. saying the are investigating the situation. Then for the last 6 weeks keep getting same email saying that they are waiting for response from XXXX nothing with be done until they hear back from them.\n\nPRODUCT NEVER GOT DELIVERED TO BUYER FROM SELLER'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I am a victim of Id theft and several accounts have been placed on my credit file. Capital One XXXXXXXX XXXX XXXX XXXX XXXX . I will include in my upload

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am a victim of Identity theft and would like all accounts associated removed.

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 2025-10-16 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: GA

Complaint narrative:
I am a victim of Identity theft and would like all accounts associated removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I am a victim of Identity theft and would like all accounts associated removed.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This consumer is attempting to collect a debt no owed. I have absolutely no knowledge of this collection. I would like full documentation of all method of verification. 
BASED ON THE NEW FCRA LAWS, ANY ADVERSE ACTIONS IN A CONSUMER CREDIT TRANSACTION IS ILLEGAL... 
15 USC 1691 {$12.00} CFR Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Previous Address : Incorrect Name - XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, TX, XXXX following personal information is incorrect- This is my relatives address. Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX - The following personal information is incorrect - Please delete this from my credit report EMPLOYER - XXXX  Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

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 2025-10-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I applied for a personal loan with XXXX about XXXX weeks ago, with a co-borrower. Throughout the process, we were repeatedly contacted by XXXX about document submissions. Each time, we immediately re-uploaded the requested documents. When we checked our online account, it always showed that everything was complete and no further action was needed. 

During the week of XX/XX/year>, my co-borrower received XXXX phone call marked Scam Likely. The caller identified himself as XXXX from XXXX. Since the number appeared as spam, we did not answer. On XX/XX/XXXX, right after that call, I contacted XXXX directly using their official customer service line to verify whether any action or document was needed. The representative confirmed that our application was still in review and that no additional action was required. They did not mention any pending verification call or missed contact attempt so we assumed the call from XXXX was a real spam call. 

The next day, XX/XX/XXXX, my co-borrower received another call from the same person. We did not answer because of the same Scam Likely label and because XXXX had just confirmed everything was fine. After that, our application was declined. 

When I contacted XXXX, they told me the application was declined because verification calls were missed. I explained that I had called to confirm the status and was told no action was needed. Despite multiple follow-ups and a formal complaint asking to reopen the application, XXXX refused to revive it. Their email response ( from an Account XXXX named XXXX XXXX XXXX simply said that the revival request was declined and that the application did not meet the required standards, without addressing the mishandling or call confusion. 

After a XXXX  credit check causing a significant decrease in my XXXX XXXX and a lengthy and frustrating application process I do not want to have to reapply. I believe XXXX mishandled this application by failing to properly inform us about the verification process and by giving inaccurate information when I proactively called to confirm. In addition, the account XXXX I have been in contact with has been extremely dismissive and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request to Delete Inaccurate Personal Information and Maintain Only Correct Information To Whom It May Concern, I am writing to request that you update my credit file to reflect only my correct personal information and delete any inaccurate or outdated data currently associated with my profile. 
Please keep and maintain my correct personal information as follows : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Experian Incorrect Information to Be Deleted : 1. Previous Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TransUnion Incorrect Information to Be Deleted : 1. Also Known As : XXXX XXXX 2. Also Known As : XXXX  XXXX 3. Previous Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX 4. Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These names and addresses are incorrect and should be permanently deleted from my credit report. I have enclosed the following documentation for your verification and investigation : Copy of my government-issued ID showing my name and date of birth Proof of current address ( utility bill, bank statement, or lease agreement ) Copy of my credit report highlighting the incorrect entries Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and prompt correction of these inaccuracies. Once your update is complete, please send me a written confirmation verifying that these incorrect names and addresses have been removed and that only my current and accurate information remains on file. 
Thank you for your prompt attention to this matter. Please contact me using the information above if you require any additional documentation or clarification.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX This company listed as an education loan but this was for a truck dispatch school that I could never access the class tried to cancel wasn't allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My information for various accounts as an accurate owner information is incorrect. Debt is not being collected in line with federal or state 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
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe to be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is accurate and verifiable. I am requesting these accounts be reviewed, and if they can not be verified, removed from my 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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an item from XXXX XXXX for approximately {$2000.00} on XX/XX/year>, which was delivered on XX/XX/year>. According to XXXX XXXX posted return policy ( attached ), returns are accepted within 30 days of receipt. 

I initiated the return on XX/XX/year> just 26 days after receiving the order and have proof of shipment ( tracking label attached ). XXXX XXXX received the return on XX/XX/year>. Despite this, they refused to process the refund, claiming that the return arrived after 30 days. Their written policy, however, does not require that returns arrive within 30 days, only that they be initiated ( sent ) within that period. I have no control over carriers shipping times and how long it might take.

I filed a dispute with American Express, providing full documentation
: The merchants return policy Order receipt and delivery confirmation My return shipping tracking showing XX/XX/year> American Express denied the dispute, siding with the merchant, even though the evidence clearly shows I complied with the return policy. Amex did not provide a meaningful explanation under the Fair Credit Billing Act ( FCBA ) or offer a proper reinvestigation.

This situation unfairly shifts the burden of the merchants internal delay to me, despite my compliance. I believe American Express failed to protect me under the FCBA, which requires issuers to conduct a reasonable investigation when goods are returned according to the merchants stated policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute which identified fraudulent accounts from DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATION/XXXX XXXX , DEPT OF EDUCATION/XXXX XXXX & DEPT OF EDUCATION/XXXX XXXX . Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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