vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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:
This is my second filing a formal complaint regarding the unauthorized accounts being reported on my credit file. I previously contacted your office on XX/XX/XXXX to dispute the following items, and I have not received adequate validation or proof of permissible purpose under federal law.

Under FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), a consumer reporting agency may not furnish a consumer report to any person without a permissible purpose as defined by the statute. Any access to my credit file without such a purpose is a violation of federal law, and any account or inquiry furnished to you without my authorization or consent must be immediately removed. 
The items in question are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$30000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-07-24 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: LA

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the fraudulent entries. Enclosed are a list of the disputed items and my FTC Identity Theft Report. 

Please investigate and confirm in writing once the corrections have been made.

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 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Dear SoFi Review Department, I am writing to formally request reconsideration of your recent decision to deny my loan application, dated XX/XX/year>, on the basis of " excessive debt obligations. '' After reviewing your letter and verifying my credit status with the listed consumer reporting agencies, I would like to dispute this determination and request a human-led reassessment.

Grounds for Reconsideration According to your own records, my credit score is XXXX, which falls within the excellent range under FICO scoring standards. Additionally, I have no derogatory marks, no late payments, no charge-offs, no collections, and no history of public records or bankruptcies across all three major consumer reporting agencies ( XXXX XXXX XXXX ) .

The adverse action letter cited factors such as a " lack of recent installment loan information '' and " time since account opening '' elements that, while algorithmically noted, do not indicate financial risk or excessive obligations. Rather, they reflect a conservative and responsible financial approach to debt management.

Legal Rights and Consumer Protections As a consumer, I am protected under : 15 U.S.C. 1681 et seq. ( FCRA ) Ensures fair and accurate credit reporting and entitles me to dispute any adverse decisions based on inaccurate or incomplete information.

12 U.S.C. 5531 and 5536 ( Dodd-Frank Act ) Prohibits unfair, deceptive, or abusive acts in consumer financial products.

New York General Business Law 380-b Requires that any adverse action be supported by verifiable and material credit data, not presumptive algorithmic outputs.

Under 15 U.S.C. 1681m ( a ), I am also entitled to request a manual review of my application. Automated models should not substitute for a fair, contextualized analysis of an individuals creditworthinessespecially when no derogatory data exists and the credit score exceeds national averages.

Request Given the above, I respectfully request : 1. A full reassessment of my application by a human underwriter, rather than an automated credit scoring model.

2. A clear, itemized explanation of what SoFi determined to be excessive debt obligations, along with the data used to reach this conclusion.

3. Confirmation that my credit data has been interpreted in line with federal and state consumer protection laws.

I appreciate your prompt attention to this request and remain hopeful that SoFi will demonstrate the fairness and flexibility that many of its members value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
The mortgage company, PHH Mortgage, who I believe approved a fraudulent loan application in my name, sent me a mortgage statement for that fraudulent loan in the amount of {$12.00}, XXXX for which I never applied or from which I never received funds. They claim the balance was created through a partial claim program, but I contacted my homes lien-holding mortgage company, XXXX XXXX  XXXX and they told me that they are the only lien-holder of the property Im buying. I did not apply for a second mortgage through PHH Mortgage or any other lender against the home Im purchasing.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am requesting the immediate deletion of the XXXX credit card account reporting on my credit file, as it has been over 7 years since the date of first delinquency ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 4 ) ), negative information such as charge-offs or collections must be removed 7 years after the XXXX. 

This account has now been on my credit report for nearly 9 years and 11 months, well beyond the legal reporting limit. I am requesting : Immediate deletion of the outdated XXXX account from all credit bureaus. 

A written confirmation that the account has been removed. 

An internal review to ensure compliance with FCRAs XXXX rule on all future reporting. 

Failure to remove time-barred accounts violates federal law and misrepresents my credit profile. I respectfully request this be resolved promptly. 

This account ( XXXX XXXX XXXX delinquent on or before XX/XX/XXXX, and should have been removed by XX/XX/XXXX. I am requesting it be deleted immediately as it exceeds the XXXX reporting period under FCRA 605 ( a ) ( 4 ).

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am requesting the immediate deletion of the XXXX credit card account reporting on my credit file, as it has been over 7 years since the date of first delinquency ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 4 ) ), negative information such as charge-offs or collections must be removed 7 years after the XXXX. 

This account has now been on my credit report for nearly 9 years and 11 months, well beyond the legal reporting limit. I am requesting : Immediate deletion of the outdated XXXX account from all credit bureaus. 

A written confirmation that the account has been removed.

An internal review to ensure compliance with FCRAs 7-year rule on all future reporting.

Failure to remove time-barred accounts violates federal law and misrepresents my credit profile. I respectfully request this be resolved promptly. 

This account ( XXXX XXXX XXXX delinquent on or before XX/XX/XXXX, and should have been removed by XX/XX/XXXX. I am requesting it be deleted immediately as it exceeds the XXXX reporting period under FCRA XXXX XXXX a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 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: GA

Complaint narrative:
I am submitting this memo to formally dispute inaccurate reporting by XXXX and XXXX XXXX on my credit reports. Both creditors have listed charge-off entries dated XX/XX/year>, which I believe to be incorrect and misleading, as I have been actively making payments toward these accounts. 

Details : Creditor Names : XXXX and XXXX XXXX Reported Issue : Charge-offs listed on credit reports for XX/XX/year> My Position : I have not ceased making payments. Payments have been consistently made leading up to and throughout XX/XX/year>.

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 2025-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: OH

Complaint narrative:
I am filing this complaint against my mortgage company for continued refusal to release insurance funds related to an active and valid home restoration claim ( Claim # XXXX, Date of Loss : XX/XX/year> ). Although multiple disbursements were made earlier in the process, they are now withholding approximately $ XXXX in remaining fundspretending this is a new claim when in fact it is the same claim they previously approved and partially funded. 
I have submitted all required receipts, documentation, and inspection requests for completed work. Yet they are actively stonewalling, ignoring my inspection request, and creating artificial barriers in what I believe is a deliberate attempt to delay or deny disbursement. 
I believe this pattern of behavior is discriminatory and racially biased. As a XXXX homeowner, I have experienced inconsistent treatment, shifting explanations, and a complete lack of urgency. Others with similar situations have not been subjected to this level of scrutiny or delay. I am calling for a civil rights investigation into how funds are handled across different demographics. 
While the company has responded to prior complaints, none of my issues have been truly resolved. Their responses were performative, not corrective, and their continued misconduct has now resulted in additional hardship, unpaid contractors, and risk of further home damage. 
I am requesting a full investigation into their handling of my claim funds, a formal compliance review of their disbursement practices, and immediate release of the remaining balance owed for already approved work. I am also requesting that my complaint be reopened or escalated, as prior complaints were closed without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened a Premier Checking Account at Chase Bank with the understanding that monthly maintenance fees would be waived due to my linked business account. This was explained to me by the banker during account setup. At no time was I informed that if the business account was closed, the Premier Checking Account would begin incurring a XXXX XXXX monthly service fee. 

After the business account was closed, I continued using my personal checking account under the impression that no fees would apply. Unfortunately, I later discovered that Chase had been charging me $ XXXX without any notice or warning, totaling {$600.00} over the course of 24 months. 

I believe I was misled by the banker and not properly informed by the bank. There was a lack of clear disclosure regarding the change in fee structure, and I was not given the opportunity to adjust or close the account to avoid these charges. 

I am requesting a full refund of the {$600.00} in monthly fees, as this was a result of misleading and incomplete information provided at the time of account opening and during the closure of the business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
On or around XX/XX/year>, I filed a dispute through the Consumer Financial Protection Bureau regarding the inaccurate reporting of a bankruptcy case ( Case # XXXX ) that appears on my LexisNexis XXXX file and is also being shared with the major credit bureaus. LexisNexis responded stating they verified the bankruptcy using PACER and matched the record to my identity using a reported address and the last XXXX digits of my Social Security number. 

However, I obtained a signed letter from the XXXX Bankruptcy XXXX confirming that the court does not report consumer information to LexisNexis or any credit bureau. This raises serious concerns about LexisNexiss verification process and the legal basis for reporting the record in the first place. 

LexisNexis is not the originating source of the data, nor did they receive it directly from the court. Their verification method relied solely on public court records ( PACER ) and partial data matching. This does not meet the standard for accuracy under the Fair Credit Reporting Act ( FCRA ). The information being reported is either misattributed or inaccurately matched to my file. 

I am requesting that this record be removed from all LexisNexis reports and not shared with any other credit bureaus, as it is based on unverifiable and unauthorized data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint to request the prompt removal and blocking of several unauthorized accounts that appear on my credit report. I did not open, authorize, or initiate these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your review. Additionally, the account information being reported is inconsistent and inaccurate across the major credit bureaus.

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 2025-07-24 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: PA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the accounts listed below. Under FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ), you are legally required to provide proper verification of these accounts. To date, no such verification has been provided. If you can not substantiate these entries with original documentation from the furnisher, you are required to remove them immediately. 
XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance {$11.00} XXXX XXXX XXXXXXXX Balance {$8100.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$0.00}

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