vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Issue : SoFi promised a 0.25 % Direct Deposit Rate Reduction on my personal loan but never applied it, despite sending me written confirmation that it had already been applied. 

Details of the Problem : On XX/XX/year>, I received an official email from SoFi stating : Youre getting a personal loan rate discount of 0.25 % which has already been applied to your loan. 
This email explicitly confirmed that the 0.25 % Direct Deposit Rate Reduction had been added to my existing personal loan. This statement was presented as a completed action, not a conditional or future benefit. 

However, when I reviewed my loan documents and APR, I discovered that the 0.25 % discount was never applied to my loan rate at any point. I contacted SoFi multiple times and provided the email as proof. Despite clear written evidence from SoFi, they continue to deny the discount, give conflicting explanations, and refuse to correct my rate. 

According to the terms included in the same SoFi email, I met all the eligibility requirements : My loan was funded on XX/XX/year>. 
My SoFi Checking & Savings account was already open. 
My qualifying direct deposit hit my account on XX/XX/year>. 
SoFis email stated the discount had already been applied. 

SoFi has not honored their written promise, has not provided a reasonable explanation, and has not corrected or adjusted my APR accordingly. This is a misleading financial communication, and I have now overpaid interest due to SoFis failure to apply the stated rate reduction.

Because SoFi failed to apply the discount they confirmed in writing, I have : Paid more interest than I should have Spent significant time and effort trying to resolve the issue Been given contradictory information by SoFi support Been subject to misleading and inaccurate financial communication from a regulated lender

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Security Credit Services, LLC
State: IL

Complaint narrative:
I am submitting this letter as a formal dispute and demand for immediate removal of the account referenced above. As required under the Fair Credit Reporting Act ( FCRA ), you are obligated to maintain only accurate, verifiable, and fully substantiated information on my credit file. To date, you have failed to provide any actual evidence validating that this account is accurate, legitimate, or belongs to me. Your continued reporting of this unverified information constitutes a direct violation of 15 U.S.C. 1681i ( 7 ), which requires you to disclose and provide all documentation used in your verification process. Your failure to comply demonstrates a serious breach of both federal law and the duty of care required in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Good day. I must emphasize the profound frustration and debilitation caused by this situation. Upon waking one day, I was shocked to discover an unverified debt that I know nothing about and that does not belong to me. This has resulted in relentless harassment across multiple communication platforms, employing various tactics, including threats of legal action something I never anticipated experiencing. As a law-abiding citizen, this is deeply insulting and represents a blatant violation of my consumer rights. The ordeal has significantly impacted my mental health, leading to several sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-12-03 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
From XXXX through XX/XX/XXXX, I used Robinhood ( including XXXX XXXX ) for joint brokerage, individual brokerage, and XXXX IRA accounts. On XX/XX/XXXX, Robinhood placed all accounts in position close only, blocked deposits/withdrawals, and gave no clear reason or remediation steps. Support functions in the app stopped working. 

On XX/XX/XXXX Robinhood unenrolled me from cash sweep, cancelled Gold membership, and sent an Important Information Regarding Your Account notice stating they could no longer maintain my accounts and would liquidate positions, citing documents submitted I never submitted. I replied immediately, explained a prior attempted crypto transfer to a scam link that I had self-corrected, and asked how to resolve the issue instead of closing accounts. 

On XX/XX/XXXX, Robinhood liquidated equities, ETFs, and crypto without my authorization ( total proceeds ~ {$4600.00} vs higher cost basis ; see attached activity statements ). The same day, they emailed that they would conduct another thorough review ( appeal ) that could take up to XXXX business days, yet they liquidated anyway. 

On XX/XX/XXXX at XXXX AM PST, Robinhood force-closed remaining long-dated options ( XXXX XX/XX/XXXX {$430.00} call bought for {$8400.00}, XXXX XX/XX/XXXX {$1.00} calls XXXX bought for ~ {$440.00}, XXXX XX/XX/XXXX {$500.00} & {$560.00} calls bought for {$820.00} total ) for {$7400.00} proceeds realized loss {$2200.00}. These were long-term directional holdings; underlying securities ( XXXX, XXXX, etc. ) have risen sharply since liquidation, increasing realized and opportunity losses daily. 

XXXX then became visible but frozen : ~ {$8600.00} joint, ~ {$830.00} individual, ~ {$950.00} XXXX XXXX  total {$10000.00} frozen with no explanation. XXXX XXXX transfers to XXXX were rejected. In-app support auto-closed queries ; XX/XX/XXXX demand letter ignored. 

On XX/XX/XXXX, restrictions were partially lifted ; I transferred some joint cash to my XXXX linked individual account. 

On XX/XX/XXXX, while attempting to transfer the remaining ~ {$11000.00} liquid cash from the joint account for a planned investment, XXXX imposed new restrictions with no notice or explanation, again freezing the cash. We have only liquid cash in the accounts and should be able to move or use it freely. 

XXXX has never provided the reason for any restriction, liquidation, or re-freeze despite repeated requests. The forced sales of long-hold options and re-freezing of cash continue to cause mounting losses as markets rise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize these inquires and I have asked for them to be removed, and the agencies did not remove them. I provided an ID Theft Report. I requested that they be removed. They are inaccurate and do not belong to me. They are not mine at all. I have provided a police report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize these inquires and I have asked for them to be removed, and the agencies did not remove them. I provided an ID Theft Report. I requested that they be removed. They are inaccurate and do not belong to me. They are not mine at all. I have provided a police report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Assess the enclosed materials ; the inquiries came unexpectedly and could be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions XXXX  XXXX BANK for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.

2. Copies of the original signed contract or agreement
bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I kindly ask for the deletion of these inaccurate accounts from my credit report, as I did not consent to their addition. It is essential that you quickly eliminate this inaccurate information from my records. KINDLY BLOCK AND DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report : XXXX XXXX XXXX Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$26000.00} BANKRUPTCY - Account No. XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} I am also disputing the following late payments : XXXX XXXX - Account No. XXXX XXXX - Account No. XXXX XXXX  XXXX - Account No. 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