vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 2025-09-12 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Incident Summary : XXXX XXXX 2025 Between XX/XX/XXXX and XX/XX/year>, I experienced a deeply frustrating and concerning issue with my Citibank account that left me without access to my funds for several daysand with no clear explanation from the bank. 
XX/XX/XXXX : I was unable to log into my Citibank account via the mobile app, receiving an error message instructing me to contact customer service. I attempted to access my account through both the mobile and web browsers but encountered the same issue. 
XX/XX/XXXX : I attempted to contact Citibanks customer service, but the estimated wait time was over an hour, and I was unable to get through to a representative. 

XX/XX/XXXX : I finally spoke with a Citibank representative who informed me that my account had been locked for XXXX hours and that I would not be able to access my funds during this time. I requested to speak with a supervisor, who confirmed the lock but could not provide any further details. I was effectively stranded without access to my debit card or money. Despite spending over XXXX hour on the phone, I received no explanation or resolution. 

XX/XX/XXXX : I visited a Citibank branch on XXXX XXXX and spoke with the branch manager, who informed me that my account was being closed but offered no further explanation. She asked me to leave the branch. 

A few hours later, this same manager contacted me to say that my account had been unlocked and I now had access to my funds. When I asked for clarification on what had happened, she said she had no information. 

I then visited another Citibank branch on XXXX XXXX, where the manager told me there were no flags or notes on my account and that she, too, had no explanation for the prior issues. 

To date, Citibank has provided no formal explanation for why my account was locked, why I was denied access to my funds, or why the account was allegedly being closed. I am extremely disappointed with the lack of transparency, accountability, and communication throughout this entire ordeal

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 monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
On XX/XX/2025 I love that my credit report and saw a company known by sunrise credit Union I called their number and I spoke to an agent who advised me that that was a collection debt foXXXX XXXX XXXX XXXX for Internet service I was never aware of she verified the address that was not mine she verified the email that was not mine she advised me that the policy was created on XX/XX/2025 in which I did advise my identity was stolen and it was reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX / Acct # XXXX. The account contains multiple false entries including incorrect balance, wrong dates, and inaccurate status. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires credit bureaus to report with maximum possible accuracy.

You are required to conduct a full reinvestigation. If the furnisher can not prove the accuracy of every detail, this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
No validation of debt and under federal law this is not permitted under CPLR 214-i. Constant under cover calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
I disputed certain accounts and inquiries with Experian that are inaccurate and do not belong to me. I also provided supporting documentation to prove my position. However, Experian has failed to correct or remove these disputed items, and they continue to appear on my report. This shows Experian did not meet its responsibility under the FCRA to ensure maximum possible accuracy.

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 2025-09-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXExperian XXXX XXXX XXXX TX XXXX\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\nThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I reported my fathers death to SoFi. I informed the SoFi representative of the date of death and advised that I will forward a copy of the death certificate and the Letters Testamentary once I obtain them from the XXXX XXXX XXXX XXXX of New Jersey on XX/XX/XXXX, with the assistance of my attorney upon his return from vacation. 
On XX/XX/XXXX, I was notified that my automatic debit had been suspended. Upon contacting SoFi, I was informed by a representative named XXXX that my loan had been charged off. I was never informed this would happen, nor given any opportunity to prevent it. 
On XX/XX/XXXX, I submitted a formal complaint to the Office of the CEO. Later that day, I was contacted by XXXX, an account manager, who acknowledged my complaint. During our conversation, I expressed my frustration and reiterated my commitment to continue paying the loan as agreed. I also informed her that I had applied for a refinance through SoFi, which was denied. 
That same day, I received a letter confirming the cosigners removal and stating that I am now solely responsible for the loan. The letter also confirmed my next scheduled auto-payment for XX/XX/XXXX. 
On XX/XX/XXXX, I was contacted by XXXX from the SoFi Member Advocacy Team, who was assigned as the case worker for this matter. 
Key Facts : Every single loan payment has been made by me, not the cosigner, since origination in XX/XX/XXXX. 
There has been no interruption in payments. 
I have no intention of defaulting on this loan, and there is no evidence that the account is at risk of default. I also have received conflicting information pertaining to the current status of this loan. ( XXXX Documents attached ) The erroneous charge off designation has placed undue stress on my family at a time of grief and threatens to damage my otherwise excellent credit history. Under New Jersey Law, the death of a cosigner on a private student loan is NOT a default event

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXXXXXX XXXX BALANCED {$3300.00} DATE OPEN : XX/XX/year> 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I noticed three months ago a XXXX charge on a credit card or Experian credit monitoring. I never ordered it. I canceled my credit card and tried to have it removed. But because it had been there several months before I realized it canceling my card did not stop the installments. It appeared again the next month. I canceled the card again. The credit card company told me this would continue to happen and to get in touch with Experian. Ive spent the last couple days calling every number associated with the company. I can not get through to a human because I never created the account my information doesnt match a membership information And they keep redirecting me. So I cant cancel it and I cant speak to a person. I cant log into an account because I never created an account. I just want to talk to someone at Experian that called every number that I can find and tried every option and I have been unable to do so

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello I had mortgage loan with FirstBank Mortgage ( Loan # XXXX ), since XXXX, and FirstBank Mortgage sold my loan to another servicer company called XXXX in XXXX, and FirstBank Mortgage didn't make insurance payment on time which is XX/XX/XXXX, because of that insurance company cancelled my policy due to non payment, and I was not informed that my insurance is cancelled until renewal time is up, then my lender ( FirstBank Mortgage ) sent me letter to renew the cancelled policy which is funny, when I called insurance company ( XXXX ) to renew the policy they said it's cancelled last year due to non payment, I ended up buying new policy to cover my property which cost me almost {$700.00} more, I thought since I bought new policy that i'm good, then few weeks later lender sent me letter to let me know that they going to buy Lender placed insurance policy for {$3300.00} if I didn't provide insurance evidence for last year which is not possible to back date insurance coverage, and this is their fault not to make payment on time and I can't fix it they said you have to or we will place lender placed insurance, when I gave up went to new servicer company ( XXXX  ) they said look like your loan account got lost in the shuffle or the transfer process from first bank and we can't do anything for you that's why I'm making the complaint now because this is not first time for First Bank not to make insurance payment on time and force me to pay for the lender placed insurance, that happened in XXXX, and I had to pay {$3800.00} so please please help me fixing this issue, FYI, nothing happened to the property, and I never file claim with them for the property cancelled policy # XXXX Lender placed insurance master policy No. XXXX policy tracking ID : XXXX please please I need your help, I can't afford this amount of money and that make my escrow account balance negative thanks in advance Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing regarding your repeated attempts to collect on an alleged debt that I dispute. 
Let me be perfectly clear : I do not consent to any further contact from your company about this matter.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a collector in writing to stop communication, you must comply. Despite this, your calls and letters have continued, causing unnecessary stress and interfering with my peace of mind.

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 2025-09-12 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX Balance : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX Balance : {$850.00}

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
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
We deposited XXXX checks from my husbands trust into our account and they said it was suspicious activity and due to violating something they are closing the account. So now they have {$950.00} sitting in limbo. My husband had XXXX XXXX and we need that money to help pay bills but cant because they are holding the funds. Ive been told 30 days, been told 7 days. No one can give me a straight answer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-09-12 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: CA

Complaint narrative:
I hereby contest the late payment and delinquent status currently reported. Those entries are not accurate, and I request that they be updated to Paid as Agreed and all references to delinquency be erased.

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