vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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 2025-10-25 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: TX

Complaint narrative:
I am writing to dispute the accuracy of an account being reported by XXXX XXXX XXXX on my credit file. After a prior investigation, XXXX  has already deleted this account from my credit report, confirming that the information was either inaccurate or unverifiable. However, the same account is still being reported by TransUnion and Equifax, which is inconsistent and negatively affecting my credit standing. 

Account Information : Creditor/Collection Agency : XXXX & XXXX XXXX the Fair Credit Reporting Act ( FCRA ), all information reported to credit bureaus must be accurate, complete, and verifiable. Since XXXX  has deleted this account, it indicates that XXXX XXXX XXXX could not verify the validity of the information. Therefore, I am requesting an immediate reinvestigation and removal of this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
So my boyfriend had transferred XXXX from his XXXX XXXX  to my XXXX  and onto my XXXX  card, I go try to use my XXXX  card and its declined XXXX times, later on XX/XX/year> did I find out from XXXX  that they needed me to submit my ID, in which I did and then today XX/XX/year> I received an email stating that my account was going to be permanently disabled, that I wouldnt be able to access my funds for XXXX  days for loss prevention reasons, this was there only explanation as to why and I tried to explain to them it was an urgent need for getting these funds back, that I needed them for my sons XXXX medication. I think this business does some faulty XXXX, I dont think they should be in business at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian recently alerted me about a new address. The address is not my address. The representative did not allow me to submit a dispute. This is a violation of FCRA Acr. This has been an ongoing struggle with all three credit bureaus. I have experienced constant harrassment from all theee bureaus mainly Experian. I have issues credit score removal of credit cards by Experian and never reinserted. The XXXX XXXX credit card was Im good standing. This is a 4 year ongoing issue that have cause XXXX XXXX XXXX  discrimination and defamation of character and loss of income due to delayed Business projects. I will finally be moving forward with a law suit due to damages.

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 2025-10-25 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: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-25 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: CT

Complaint narrative:
I have parent plus loans for my XXXX daughters. These loans were in deferment while they were in college and then extended by the Biden administration. At some point during the deferred period, the loans changed administration to a company called XXXX. I found this out a couple of months ago. The loans thru this company had gone into repayment in XXXX of XXXX. I was never contacted, emailed or sent and letterhead or bill that this had become due. In XXXX I received a credit alert from experiian stating I had a change in my credit score. Once I logged onto experian a creditor named XXXX had issued a XXXX  day late report for XXXX loans. I did not know what these amounts were for and who this company was. I had to create a new account with all of my information as a new customer. Once registered, I was able to see the information reported to the credit bureaus. This company did not have any information for billing. No address, email or phone number but somehow I was supposed to know theses payments were do. I relentlessly emailed customer service and called. If you call there number, you can not get to talk to a live agent. Every promt leads to another information recording. I have been trying for over XXXX  days to speak with them to request removal of the derogatory report, especially since I was never notified of payments due. They went straigot to a XXXX  day report. Going back, when I created my new account I paid the total overdue and current amounts to bring the account to current. This amount was approximately {$4000.00}. XXXX of XXXX. I am extremely angry that this company did not notify me via mail or phone call that these account had gone over due. The ONLY way I was notified was by XXXX XXXX credit monitoring service, and subsequently paid up to current. I have never had a derogatory report in my name. XXXX  years of never missing a payment and a credit score of over XXXX for that time period as well. I want t this XXXX  day and XXXX  day removed as it is completely unfair and never given an opportunity to pay this on time.

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 2025-10-25 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: CT

Complaint narrative:
I have parent plus loans for my XXXX daughters. These loans were in deferment while they were in college and then extended by the Biden administration. At some point during the deferred period, the loans changed administration to a company called XXXX. I found this out a couple of months ago. The loans thru this company had gone into repayment in XXXX of XXXX. I was never contacted, emailed or sent and letterhead or bill that this had become due. In XXXX I received a credit alert from experiian stating I had a change in my credit score. Once I logged onto experian a creditor named XXXX had issued a XXXX  day late report for XXXX loans. I did not know what these amounts were for and who this company was. I had to create a new account with all of my information as a new customer. Once registered, I was able to see the information reported to the credit bureaus. This company did not have any information for billing. No address, email or phone number but somehow I was supposed to know theses payments were do. I relentlessly emailed customer service and called. If you call there number, you can not get to talk to a live agent. Every promt leads to another information recording. I have been trying for over XXXX  days to speak with them to request removal of the derogatory report, especially since I was never notified of payments due. They went straigot to a XXXX  day report. Going back, when I created my new account I paid the total overdue and current amounts to bring the account to current. This amount was approximately {$4000.00}. XXXX of XXXX. I am extremely angry that this company did not notify me via mail or phone call that these account had gone over due. The ONLY way I was notified was by XXXX XXXX credit monitoring service, and subsequently paid up to current. I have never had a derogatory report in my name. XXXX  years of never missing a payment and a credit score of over XXXX for that time period as well. I want t this XXXX  day and XXXX  day removed as it is completely unfair and never given an opportunity to pay this on time.

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 2025-10-25 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: MD

Complaint narrative:
There are inquiries on my credit report that arent mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Since the acquisition of my loan by Carrington Mortgage, there have been continuous and significant errors in the handling of my account. From the outset, I was unable to access my account online. Each time I called to make a payment, I was informed that I was not listed as the account owner and therefore could not be provided any account information. Despite speaking with multiple representatives and supervisorswho repeatedly assured me that the issue would be resolvedno corrective action was ever taken. 
On XX/XX/XXXX, I called to make my payment, as I still did not have online access. I provided the representative with my routing and account numbers to complete the transaction. The following day, I noticed that the payment had not been deducted from my bank account. When I called back, the representative assured me that everything was in order and explained that it could take several days for the payment to post. I verified the last XXXX digits of the account number they had on file, which were correct, and trusted that the payment would process. 
After still not seeing the deduction by XX/XX/XXXX, I called again and was once more reassured that the payment would process within XXXX business days. However, by the following Monday, there was still no activity. I contacted Carrington again and informed the representative that it appeared my payment information had been entered incorrectly. The representative was unhelpful and again refused to provide details, stating I was not authorized on the account. Out of necessity, I reissued the payment for XXXX as well as the payment for XXXX. 
I requested the call transcripts to confirm what occurred and was informed only that the original account number had been entered incorrectly by Carringtons representative. After approximately XXXX calls, multiple escalations and many hours on the phone, I was finally provided access to my account. 
Despite these clear errors on Carringtons part, my account was incorrectly reported as XXXX days delinquent. I have maintained an impeccable payment history with XXXX late payments in over XXXX  years, and this erroneous reporting is both unacceptable and damaging. Carrington Mortgages mishandling, lack of accountability, and negligence have caused unnecessary stress and harm to my credit reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXX XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

6. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

7. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

8. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

9. Identity Theft XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

10. Identity Theft XXXX XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

11. Identity Theft XXXX  XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

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 2025-10-25 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: OH

Complaint narrative:
On my XX/XX/XXXX and XXXX XXXX XXXX consumer report, which was prepared on XX/XX/scrub> 2025, there is a negative item reported by I dispute the accuracy, completeness, and validity of this entire entry. This reported information is unverified and is causing me significant financial harm, specifically by preventing me from opening necessary bank accounts. I have initiated a formal dispute with XX/XX/XXXX to have this inaccurate information reinvestigated and permanently removed from my file, as is my right under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXi ( Right to dispute incomplete or inaccurate information ). 



This entry appears to be in violation of multiple federal laws and industry standards : FCRA XXXX ( b ) ( Compliance Procedures ) : As a consumer reporting agency, XX/XX/XXXX is required to " follow reasonable procedures to assure maximum possible accuracy '' of the information it reports. The presence of this unverified item indicates a potential failure of these procedures. 

FCRA XXXX ( b ) ( Duties of Furnishers ) : Upon receiving notice of this dispute, the furnisher has a legal duty to conduct a reasonable investigation. If the information is found to be inaccurate, incomplete, or can not be verified, the furnisher must promptly notify XX/XX/XXXX to delete or modify the item. 

Metro 2 Compliance : All data furnishers must report information using the strict, standardized Metro 2 format. Any failure to comply with these guidelinessuch as reporting an incorrect status, amount, or daterenders the information non-compliant and thus inaccurate under the FCRA. 

Fair Debt Collection Practices Act ( FDCPA ) XXXX : The reporting of false, deceptive, or misleading information to a consumer reporting agency in an attempt to collect a debt can be a violation of the FDCPA, specifically the prohibition against " false, deceptive, or misleading representation. '' I demand a full reinvestigation of this item, verifying its complete accuracy and compliance with all applicable laws. Given that it is unverified, it must be immediately and permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
NOTE : I am filing a related complaint against XXXX  XXXX regarding the same issue. Both banks need to be investigated together. 

THE ORIGINAL PROBLEM : On XX/XX/year>, I initiated ONE {$500.00} transfer from XXXX  XXXX ( XXXX ) to SoFi using the SoFi app. 
I have documentation from XXXX  XXXX showing that SoFi 's system sent TWO separate ACH debit requests for {$500.00} each, totaling {$1000.00}. I only initiated one {$500.00} transfer in the SoFi app. 

This was a system error on SoFi 's end. 
XXXX  XXXX processed both ACH requests and sent {$1000.00} total. 
However, only {$500.00} arrived in my SoFi account.

This raises a critical question : If SoFi 's system requested {$1000.00} from XXXX  XXXX, and XXXX  XXXX sent {$1000.00}, where is the other {$500.00}? 

Either : SoFi received {$1000.00} but only credited my account {$500.00}, OR SoFi only received {$500.00} despite requesting {$1000.00} Either way, this is SoFi 's problem to investigate and resolve. 

THE REVERSALS THAT MADE IT WORSE : Since reporting this issue, {$1000.00} has been reversed OUT of my SoFi account in two separate {$500.00} reversals. 

This is wrong because : Only {$500.00} was ever legitimately transferred to SoFi The second {$500.00} reversal took money that was already in my SoFi account BEFORE I initiated this transfer. This money had nothing to do with the problematic transfer. 

THE CURRENT SITUATION : The missing {$500.00} that was originally in XXXX  XXXX is now missing from my SoFi account instead. The problem was just moved from one account to another. 
I am still missing {$500.00}. 
SoFi claims XXXX  XXXX is initiating these reversals. XXXX  XXXX claims SoFi is initiating them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC for multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year> I sent a written dispute to the agency challenging the validity of an alleged debt and requesting proper verification. To date, they have not provided any verification or documentation as required by law. Despite this, I recently received a letter dated XX/XX/year> threatening to take legal action to collect on this disputed account. 
In addition to failing to validate the debt, I discovered that the agency conducted a hard inquiry on my credit report without my permission, even though my credit files were frozen at all three major credit bureaus at the time. This unauthorized inquiry was made without my consent and constitutes an invasion of my financial privacy and a violation of FCRA guidelines. 
These actions demonstrate a clear disregard for consumer protection laws. I respectfully request that the CFPB investigate LVNV Funding LLC for : XXXX. Failing to respond to a timely dispute and continuing collection efforts without validation. 
XXXX. Conducting an unauthorized credit inquiry while my credit reports were frozen. 
XXXX. Threatening legal action on an account that should not be pursued. 

I am asking the CFPB to review this matter and take appropriate enforcement or corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: Capital Accounts, LLC
State: IL

Complaint narrative:
This is congruent dispute for XXXX separate cards the cards must be deleted off my credit account

Company response to consumer: Untimely response