vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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.

Complaint narrative:
I am disputing the charged-off account ( s ) being reported on my credit file as fraudulent and unauthorized. I have never opened, authorized, or consented to any account with the creditor in question. The reporting of this charged-off debt is therefore inaccurate, unverifiable, and the result of identity theft or fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I have the right to demand validation of all information being reported. Unless the furnisher can provide verifiable documentationsuch as a signed original agreement, full account history, and evidence directly linking me to this debtthe account must be immediately deleted from my credit report. 

Continued reporting of this fraudulent account without proof of its legitimacy is a willful violation of my consumer rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). I am demanding prompt investigation, removal of the fraudulent charged-off account, and written confirmation once this deletion has been completed.

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 2025-09-19 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 disputed XXXX XXXX XXXX XXXX XXXX  ( ending XXXX, XXXX, and XXXX ) with the credit bureaus. Despite my disputes, the bureaus continue to report these accounts as verified. 

In two CFPB cases against XXXX, the company failed to provide critical documentation : no enrollment records from XXXX XXXX University, no disbursement records proving funds were applied to my benefit, and no authenticated signed agreement with an XXXX XXXX XXXX. Since XXXX could not produce these records even under regulatory review, the tradelines remain unverifiable. 

The credit bureaus prior verification could not have been based on maximum possible accuracy as required by FCRA 611 and 623. These tradelines should therefore be deleted as unverifiable. 

Because XXXX has twice failed to produce authentication data, enrollment certification, or disbursement records, it is unreasonable to presume they possess such records while continuing to furnish the tradelines. This also raises the question of what basis the credit bureaus previously relied upon to verify these accounts, given that they too have never furnished any underlying data.

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 2025-09-19 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: DC

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX  ( ending XXXX, XXXX, and XXXX ) with the credit bureaus. Despite my disputes, the bureaus continue to report these accounts as verified. 

In two CFPB cases against XXXX, the company failed to provide critical documentation : no enrollment records from XXXX XXXX University, no disbursement records proving funds were applied to my benefit, and no authenticated signed agreement with an XXXX XXXX XXXX. Since XXXX could not produce these records even under regulatory review, the tradelines remain unverifiable. 

The credit bureaus prior verification could not have been based on maximum possible accuracy as required by FCRA 611 and 623. These tradelines should therefore be deleted as unverifiable. 

Because XXXX has twice failed to produce authentication data, enrollment certification, or disbursement records, it is unreasonable to presume they possess such records while continuing to furnish the tradelines. This also raises the question of what basis the credit bureaus previously relied upon to verify these accounts, given that they too have never furnished any underlying data.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Around XX/XX/XXXX I got a call from someone posing as Wells Fargo fraud department the had me jump through hoops to get the fraud resolved all the while they had hacked my debit card withdrawing over {$2100.00} I filed claims with the bank only to have them accuse me of making withdrawals I did not make. I want the money I am entitled to as a customer since XXXX if I am not given a credit for this amount I and my father who has hundreds of thousands of dollars in his account we will close our accounts and do business with the competition I will give my dads name upon request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello I am filing this complaint due to the credit bureaus lack of investigation into my dispute regarding misinformation on my credit report. I have contacted them twice and they have not responded, corrected the inaccuracies and my reports remain the same. I know there are credit reporting laws they must abide by in situations like these and I want to exercise my rights as a consumer. This information has to be removed because they did not investigate or respond in 30 days twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is accurate and verifiable. I am requesting a full investigation of these accounts, and if they can not be verified, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: KS

Complaint narrative:
MoneyLion/XXXX XXXX XXXX XXXX a charge-off account inaccurately and in violation of the FCRA. The original delinquency dates back years, but the account is being reported as if it is a fresh charge-off in 2025. This is illegal re-aging under 15 U.S.C. 1681s-2 ( a ) ( 5 ).

I have disputed multiple times, yet MoneyLion continues to verify without producing validation, documentation, or proof. This does not meet the standard of a reasonable investigation under 15 U.S.C. 1681i ( a ) ( 1 ).

The reporting is inconsistent, misleading, and materially damaging. By furnishing information that is not accurate, and by failing to provide verification when requested, MoneyLion is in willful noncompliance with federal law. 

I demand immediate and permanent deletion of this tradeline from all consumer reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am disputing these accounts because my personal data was illegally accessed during the recent TransUnion data breach and XXXX previous data breach, I did not authorize these accounts and it is the result of identity compromise. Please investigate this matter, remove the inaccurate information, and update my credit report accordingly.

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 2025-09-19 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: FL

Complaint narrative:
I am submitting this complaint regarding my XXXX account, which continues to be reported with delinquent balances that are inaccurate and damaging to my credit profile. 

Previously, this account was transferred from XXXX XXXX XXXX XXXX to XXXX, and while XXXX XXXX XXXX XXXX always reported my payment history as current and accurate, XXXX is now incorrectly showing late payments and delinquency. I have never been late on this account, and my payment history has consistently been on time. 

I have disputed this matter directly with the credit bureaus and XXXX, but the issue persists. These inaccurate reports are negatively affecting my XXXX XXXX boarding payments in 2024 showing me XXXX days late and I have directly affected my credit score and overall financial standing since XXXX XXXX took over account and reported this month. I am requesting the CFPBs assistance in ensuring that XXXX XXXX this reporting to accurately reflect my true payment history.

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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XXXX XXXX, I deposited a U.S. Treasury refund check in the amount of {$9400.00} in person with a teller at Navy Federal Credit Union .

Under Federal Regulation CC ( 12 CFR 229.10 ( c ) ( 1 ) ( i ) ), when a Treasury check is deposited in person with a teller, the first {$5000.00} must be made available no later than the next business day.

Navy Federal only released {$270.00} immediately and placed a hold on the remaining {$9100.00}, according to the hold notice I received. This is not compliant with Regulation CC.

I requested clarification and a proper Regulation CC hold notice explaining the reason and release date for the remainder of the funds. To date, Navy Federal has not made {$5000.00} available as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In XXXX XXXX, I contacted Pay Pal to cancel my account and erase my personal information. I was informed by a customer agent that they could not. When I alerted the agent that I would file a complaint with the Federal Consumer Protection Bureau, I was informed that they would escalate my complaint. As it has now been a month since my initial request, I am now contacting your office to kindly expedite the closure of my account and release of information from the company regarding the rationale for preventing me from making any purchases via my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
I am filing this complaint because SoFi Bank is refusing to follow the required error resolution procedures for a debit card dispute, in direct violation of its own legally binding Deposit Account Agreement and the Electronic Fund Transfer Act ( Regulation E ). 

Here is a timeline of the events : XX/XX/year> : I discovered that my service provider, XXXX XXXX, had breached its terms by restricting my account management functions before my payment was due. 

XX/XX/year> : I contacted SoFi Bank to dispute XXXX past debit card payments to XXXX XXXX totaling {$1300.00} on the grounds that the merchant was not providing the service as agreed upon. I repeatedly clarified to the SoFi agent that this was a merchant service dispute, that the transactions were authorized, and that my debit card had not been lost, stolen, or compromised. 

XX/XX/year> : Despite my clear statements, the SoFi agent insisted on following a fraud protocol and forced an unnecessary replacement of my debit card. 

XX/XX/year> : After not hearing back, I emailed SoFi to remind them of their obligation to issue a provisional credit for my dispute, as the XXXX window was about to expire. 

XX/XX/year> : SoFi 's Back Office Department responded via email with XXXX incorrect claims : They stated that my dispute was subject to a " XXXX day '' investigation period. This is false. Per XXXX XXXX of my XXXX Account XXXX, the XXXX extension is only for new accounts, point-of-sale transactions, or foreign-initiated transactions. My dispute meets none of these criteria. 

They stated, " This type of dispute doesnt qualify for a provisional credit. The above-referenced dispute does not fall under Regulation XXXX, therefore, no provisional credit will be issued. '' This final claim is a clear and direct violation of the law and their own contract. My dispute is an " account error '' as defined in Section XVIII of the SoFi Bank Deposit Account Agreement, the very section that outlines their duties under Regulation E. The agreement explicitly states that if an investigation into an " account error '' takes longer than 10 business days, SoFi `` will provisionally credit your Account within ten ( 10 ) Business Days ''.

SoFi is now refusing to follow its own legally mandated procedure. They are incorrectly classifying my dispute to deny my right to a provisional credit. Today, XX/XX/year>, is the tenth business day since I filed my claim, and SoFi has failed to provide the required credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-19 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief