vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
To Whom It May Concern : I recently reviewed a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 2025-05-21 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX XXXX or TransUnion ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Your company is in clear violation of the law. Under XXXX5 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, 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 2025-05-21 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: NY

Complaint narrative:
To Whom It May Concern : I recently reviewed a copy of my ( XXXX  Equifax, or XXXX ) credit report, and I noticed some late payments on my credit report : Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Your company is in clear violation of the law. Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does it include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

I am giving your company 10 days to respond to this matter.

1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
Please see email below highlighting issues sent to Planet Home Lending Customer Service on Friday, XX/XX/XXXX after speaking to another one of their representatives, XXXX, without any resolution. 
I had previously spoken to XXXX and XXXX as well originally on Wednesday, XX/XX/XXXX, Wednesday, XX/XX/XXXX, Friday, XX/XX/XXXX ( as noted below ), and again last week on Wednesday, XX/XX/XXXX when I was told that a new check was going to be issued very soon but that no tracking would be made available. 

I am writing in complete dismay regarding the refund of my escrow balance after paying off my loan with Planet Home Mortgage on XX/XX/year>. The amount of {$8600.00} is shown as a disbursed check on your website, dated XX/XX/year>. After speaking with your customer service several times and continually being told, " wait a few more days '' I am beyond irate regarding the lack of respect or care for my money. I simply can't imagine what your company would've charged me in late fees and interest if I would have done this with my loan payments that were due every month since acquiring my loan. As the check shows dated XX/XX/year>, it falls within legal guidelines of being distributed within 15 days of full payoff. However, in the conversations with your customer service reps, specifically " XXXX '', on multiple occasions, I was able to ascertain that your internal records show that this check was indeed not even mailed to my address until XX/XX/year>, XXXX days after the legal 15 business day limit to return these funds, not even considering the time to arrive via mail. The other disgusting aspect of this case is that there is no tracking information on the {$8600.00} check. Who even actually knows if y'all even mailed the check?!?! There is NO evidence either way. Now that we are a full thirty-nine days from the date of my complete payoff, twenty-eight business days since complete payoff, I am about to reach out to my lawyer for next steps to get this money. Your customer service agents and their supervisors have outright refused to send a wire directly to my bank account with the money to make this right. This is beyond ridiculous, and I am at my wits end. Nothing in the USPS takes this long to arrive and the fact that your customer service reps/supervisors only response is " wait a few more days '' shows the complete lack of concern or respect you have for your customers. 

Now, my expectation is that you will do everything in your power to either send a wire to my bank account immediately or create a new check and overnight it to my address with tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 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 explanation
Consumer complaint received 2025-05-21 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: MA

Complaint narrative:
This is on my credit report, but I have no idea who its from, or that I owe anyone. There is no name of the company its says I owe. 
COLLECTION COLLECTION/ CHARGEOFF Other Status {$1800.00} ^ Date Reported Payment Status Account Status Amount Past Due XX/XX/2025 Collection/Chargeoff Derogatory Not Reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I submitted over documents to verify my previous employment history with the company, but they failed to report accurate information to an employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft. Accounts were fraudulently opened in my name without my knowledge or consent. Under 15 U.S.C. 1681c-2, I submitted a written request to [ ALL 3 Bureau ] to block and delete these fraudulent items from my credit report.I clearly stated that no police report is required under federal law and demanded the removal of the fraudulent items within the 4 business days required by law.

As of this submission, [ ALL 3 Bureau ] has failed to comply. I am requesting the CFPB to investigate and ensure the bureau follows the FCRA statute, blocking and deleting the fraudulent accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a {$790.00} charge from XXXXXXXX XXXX XXXX XXXX XXXX XXXX for grading services that were not performed within the service timeframe I paid for. 

XXXX received my order on XX/XX/year>. They did not complete the grading until XX/XX/year> a total of 65 business days. The service tier I paid for clearly stated 45 business days at the time of payment. XXXX later changed their turnaround policy to 65 days, but only after my order was already submitted. 

When I asked them to explain the delay, XXXX admitted in writing that the clock doesnt start upon receipt only after they decide to unbox it. I directly asked who is responsible for my cards during that delay, and they never responded. 

After filing a dispute with Capital One, I submitted all required documentation : A signed dispute letter A timeline summary Emails from XXXX admitting delay policy Proof of cert deactivation and account freeze My customer history of over a dozen past XXXX orders Despite submitting all this, Capital One falsely stated that I did not provide enough information and closed the case. This is not a quality dispute over card condition this is a billing dispute for services not performed in the timeline I paid for. 

I am requesting that CFPB hold Capital One accountable for mishandling this dispute and reopen the claim for proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
This is not to discuss the same issue, It raise concerns on how transunion and experian can verify an account but not provide any evidence from their investigation and the company investigation. 

So how did they conduct a lawful investigation in a short period of time. 

Provide all evidence : The licenses from the company The right to furnish The notification of collection being sold to consumer The signing agreements to share my privacy information. 

Another thing cease all collections act and delete these accounts immediately. I dont have time to play with these people!.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing this complaint because SoFi has refused to refund a {$490.00} XXXX XXXX charge that was made on XX/XX/2025 without my authorization. I have submitted fraud documentation and disputed this charge with SoFi three separate times, yet they continue to deny my claim without proper explanation. 

This {$490.00} charge was not authorized by me and was part of a broader scam in which funds were stolen and sent to a random phone number that I do not recognize. I do not know the name of the recipient, and I have made this clear to SoFi. 

Despite submitting a fraud report, SoFi has not taken my case seriously. They previously assured me that I would be notified of any decision, but during the most recent dispute, they denied the claim without telling me. I only found out the claim had been closed when I followed up myself. I was told it had been denied, but I was not provided with any explanation for the decision. 

I have asked for clear reasoning, supporting evidence, and escalation of the claim, and SoFi has failed to provide any of these. They are refusing to help me recover money that was clearly stolen, and I have exhausted all internal channels without resolution. 

This was a theft, and I am being held financially responsible for something I did not do. I am asking for fairness and accountability from SoFi.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because I am a verified victim of identity theft. I submitted an official Affidavit of Identity Theft to the credit reporting agencies ( Equifax, Experian, and TransUnion ), disputing several fraudulent accounts and addresses that were opened in my name without my knowledge or consent. 

Despite my affidavit and supporting documentation ( including proof of ID and residency ), the credit bureaus have continued to report inaccurate and unauthorized information. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which requires credit bureaus to promptly investigate and remove unverifiable or incorrect information. 

I have made multiple attempts to resolve this directly with the credit bureaus. Ive complied with all verification procedures, including submitting my affidavit, photo ID, utility bill, and a copy of my Social Security card. However, the inaccurate information remains, damaging my credit and exposing me to further fraud risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: HI

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are inaccurate. Despite sending validation request letters over 30 days ago, I have received no response, and the creditors have failed to provide satisfactory validation of these alleged late payments. This lack of response and validation is concerning given the impact these entries have on my credit standing.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Subject : Response to Complaint Against Equifax Credit Report Accessibility Issue Dear Consumer Financial Protection Bureau, I am writing in response to my recent complaint filed regarding Equifax and to provide additional context to support the matter. The complaint number is XXXX. The response that Equifax provided only addressed internal disputes, not the issue at hand of not being able to ACCESS a CURRENT Credit report. While Equifax appears to be able to access my credit report internally, Iand any external lendersare currently unable to do so. This issue is ongoing and has significantly affected my ability to apply for credit and monitor my own credit health. 

Despite my attempts to resolve this with Equifax directly, including calling, submitting online disputes, or mailing documentation, the issue remains unresolved. I have confirmed that no active credit freeze, fraud alert, or block should be preventing access, yet all attempts to pull my report externally result in failure. The only current credit report from Equifax that I receive is a hard copy that was mailed to me, from Equifax. 

This lack of accessibility is concerning and may suggest a system or account-level error within Equifax. I am requesting that the CFPB ensure that Equifax : 1. Identifies and resolves the reason why my credit report is not accessible to external parties.

2. Provides confirmation that my credit file is now fully available to authorized third parties and to myself.

3. Offers a detailed explanation of the root cause of the issue and steps taken to correct it. 

Thank you for your continued attention to this matter. I look forward to a prompt resolution that restores proper access to my credit report. I have attached screenshots from where I personally tried to access my credit report from the Equifax website itself, and XXXX XXXX as well with the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: SC

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CO

Complaint narrative:
My student loans were forgiven under the PSLF program. I checked my credit report today and some of the loans are now appearing. Studentaid.gov is showing my balance as XXXX. I need them removed from my credit report with the balances as XXXX and the accounts closed. There is no reason for them to be showing a balance.

Company response to consumer: Closed with explanation