vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-10-30 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: TX

Complaint narrative:
I am submitting to dispute several inquiries on my credit report that I believe are inaccurate, unauthorized, and violate my rights under the Fair Credit Reporting Act ( FCRA ). These erroneous entries have negatively impacted my credit profile and, ultimately, my ability to manage my financial health. Below, I explain each disputed inquiries and my request for their removal or correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, 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 non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
My credit report includes late payment entries that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be verified, and if they can not be confirmed, 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Dear XXXX, Im writing because an account that was previously deleted from my credit report has now been reinserted without any written notice from you. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under this law, if information that was deleted from a consumers file is reinserted, the credit bureau must : 1. Obtain certification from the furnisher that the information is accurate and complete ; and 2. Notify the consumer in writing within five ( 5 ) business days of the reinsertion, including the name, address, and phone number of the furnisher who verified it.

I never received any written notice or documentation proving that this reinsertion was verified properly. Because of that, Im requesting that you : Provide a copy of the certification of accuracy from the furnisher ; and Provide proof that you notified me in writing within 5 business days of the reinsertion. 
If you can not provide both, you must immediately remove the reinserted account from my credit report and send me written confirmation that it has been deleted. 
If this issue isnt corrected promptly, Ill be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Tennessee Attorney Generals Office for noncompliance with the FCRA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am submitting to formally request the correction and removal of inaccurate address information associated with my records. The addresses listed below are incorrect and do not correspond to my current or past residences : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumers have the right to dispute inaccurate or incomplete information in their records and request its correction.

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 2025-10-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery LLC DBA Genesis has not responded to my Debt Validation Request letter signed and mailed to them following XX/XX/year>. The original amount in dispute was {$350.00}, and the company has continued to add interest despite my request for validation. I received the inital notice in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
My credit report shows late payment entries that I believe are inaccurate. According to 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, they should 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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
Upon returning from XXXX XXXX XXXX XXXX I noticed a letter from this debt collector about a debt thats fraudulent and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I brought my new XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> .. since I got the new vehicle from Capital vehicle loan. I have been complaining with them about my interest rate when up until twice a days .. I am paying {$23.00} day by day and I am also checking my checking and car loan account daily when I saw a lot irregularities on my account! 
They had explained with some unreasonable reasons why they are changing me until twice some days! 
My car note is on XXXX each month until XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: DC

Complaint narrative:
I am submitting to dispute inaccurate late payment on my credit report, specifically concerning an account. The inaccurate reporting is negatively impacting my credit standing and does not reflect my true payment history or obligations. As outlined in the Fair Credit Reporting Act ( FCRA ), I am entitled to a correct and updated credit report. This letter serves to formally dispute the inaccurate reporting of this account under FCRA 611 ( 15 U.S.C 1681i ), and I am requesting that this item be thoroughly investigated and corrected. I would like to present the details of the account in question and the reasons for my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes a repossession record that I believe may be inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a completely accurate credit report. I request that this repossession entry be reviewed, and if it can not be verified, removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
Formal Dispute of Invalid Debt XXXX XXXX  Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the debt reported by XXXXXXXX XXXX on my credit report. The account, dated XX/XX/XXXX, does not belong to me. I have repeatedly requested that the agency provide a copy of any contract, agreement, or documentation proving that this debt is valid and belongs to me. Despite multiple written requests, the agency has refused to provide verification and has declined to remove the inaccurate account from my credit report. I have since hired a licensed investigator, and our findings indicate multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite this, XXXXXXXX XXXX continues to report this false information. I am demanding that this account be immediately deleted from my credit report and that I receive written confirmation of its removal. If this matter is not resolved promptly, I am prepared to escalate it by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. Fair Resolution Statement : A fair resolution to this issue would include the immediate deletion of the inaccurate account from all credit reports, written confirmation of its removal, correction of all credit bureau records, and a written assurance of compliance stating that XXXXXXXX XXXX will cease all collection activity and not re-report or transfer the account in the future. Additionally, if violations of the FDCPA or FCRA are proven, I request appropriate compensation for the harm, inconvenience, and damages caused by the inaccurate reporting and failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
I filed a dispute claim for my funds the atm never dispensed it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have XXXX and had no problems using my XXXX account with our any issues. as soon as I cashed in my Treasury bonds and had the money direct deposited into my XXXX Account they prevented me from using my account they wouldn't let me transfer money out they declined my transactions almost every time I attempted to use my card I called them they did not help me at all I had over XXXX dollars in my account and they were not letting me use my card or have aces toy available funds they kept making excuses after excuses saying there was nothing they could do and kept trying to make me transfer the money out and when I tried it would decline. they were looking for a reason to freeze my account and keep my money which I s a common practice of pay pal and XXXX and when I didn't give them a reason they have declined every transaction I attempted. they made me send in a photo of my drivers liscense And selfie in the pretenses they were going to do so XXXX thing about it and even told me my card was okay to use I went back I he store and again wa declined they have made every attempt to practice u proffesional procedures and have made no attempt to assist me or help me but have tried every way they could to freeze my account I had absolutely no problems when I had XXXX XXXX but as soon as the XXXX bit my account from the Treasury they started the deceit and deleting of attempting to keep my money I have contacted the US Treasury as well to let them know of their trickery And deceit they need to be reviewed for their deceit and attempts to steal people 's money and prevent them from accessing their account and their money. I want them to unreatrict my money and allow me to use my account as I wish and want with out henderance or issue as of the writing o thisetter I want my XXXX to be able to use freely and I do not want to be retaliated against after filing this from them on false pretenses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
The company US Bank has got my card over a 45-day. XXXX times and said it was a fraud alert they have stopped by card numerous time in the middle of doing business and cost me a great deal of hardship over a 45 day. And have depleted XXXX to XXXX without my permission I need help this is a very complex situation please call me XXXX my name

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 2025-10-30 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: AZ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
SoFi refusal to process brokerage account transfer ( XXXX ) I purchased ETFs through my SoFi Invest brokerage account. After evaluating my investment strategy, I decided to consolidate my accounts at XXXX XXXX for better portfolio management. 

I initiated a standard XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX  ) transfer request from my receiving firm, XXXX. Under FINRA Rule 11870 and SEC regulations, the delivering firm ( SoFi ) is required to validate and complete transfers within three business days of receiving a properly submitted request.

Despite multiple attempts to resolve this issue, SoFi has refused to process the transfer until further review ( I'm not even able to sell my assets ). I contacted SoFi support several times seeking clarification on the transfer delay when all I did was deposit money into their brokerage and purchase ETFs. When those attempts failed, I arranged a three-way call with both SoFi and XXXX representatives XXXX resolve the issue directly. Even with XXXX present on the call to verify the transfer request and assist with any technical issues, SoFi continued to refuse the transfer without providing valid justification or a timeline when this would be resolved.

My assets are now effectively locked in the SoFi account with no ability to transfer them to another brokerage. SoFi has not provided a legitimate reason for the transfer rejection as required under FINRA rules. 

I am now unable to access or manage my investment assets held at SoFi with no time to resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX  XXXX SSN : XXXX [ Date ] Via Certified Mail, Return Receipt Requested To : Caine & Weiner ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute, Debt Validation Demand & Cease and Desist Account # XXXX Dear Caine & Weiner ( Original Creditor : XXXX ), I am writing to formally dispute the reporting of the above-referenced account you have furnished to the consumer reporting agencies. The information you are providing is inaccurate, misleading, and non-compliant with federal law, including the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ), and the Consumer Data Industry Association ( CDIA ) Metro 2 reporting guidelines. 

Specific Issues with this Account : - The account is reported inconsistently across the credit bureaus, with conflicting Date Last Active, Balance, and Payment Status, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

- Duplicative or re-aged entries appear for the same alleged debt, in violation of FCRA 1681i and Metro 2 standards.

- Status codes reflect both charged off and open/collection, which is contradictory and misleading. 

Required Actions : 1. * * Full Validation of the Alleged Debt * * Provide a complete account-level breakdown, original signed contract, itemized payment history, and assignment/ownership documentation proving your legal right to collect or report. An electronic confirmation is insufficient under FCRA/FDCPA.

2. * * Correction or Deletion * * If you can not validate with full documentation, you must immediately request deletion of this account with all credit reporting agencies pursuant to FCRA 1681s-2 ( b ).

3. * * Metro 2 Compliance * * Correct any re-aging, duplicate reporting, or improper status codes.

4. * * Cease and Desist Notice * * Effective immediately, you are to cease all collection communications, calls, and correspondence regarding this account until full validation is provided as required under FDCPA 809 ( b ). Any further attempts to collect prior to validation will constitute a willful violation of federal law. 

Notice of Intent to Litigate : If you fail to properly validate or delete this account within 30 days of receipt, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals office, and consider pursuing a civil action for statutory damages, punitive damages, attorneys fees, and costs under both FCRA and FDCPA. 

This letter serves as your notice and opportunity to cure. Please respond in writing with the required documentation. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Inaccurate Information under 15 USC 1666B Dear Experian Dispute Department, I am writing to formally dispute certain information in my credit report ( Social Security Number : [ XXXX ] ), which I believe is inaccurate or outdated according to the Fair Credit Reporting Act ( 15 USC 1666B ). 

Specifically, I am disputing the following details : XXXX XXXX XXXX payments I request that you conduct a thorough investigation of this information under your statutory obligation to correct or delete inaccurate, incomplete, or outdated information. Please provide me with the results of your investigation and a copy of the updated credit report once your review is complete. 

Enclosed are copies of supporting documentation to substantiate my claim :

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