vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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 non-monetary relief
Consumer complaint received 2025-12-10 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:
I am submitting this follow-up complaint regarding inaccurate reporting on my credit reports from Equifax, Experian, and TransUnion for my XXXX XXXX Bank account XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which has a balance of {$800.00} and was opened on XX/XX/XXXX. My reports incorrectly reflect XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and other disputed months, despite my records showing all payments were made on time, including the most recent payments in XX/XX/XXXX. These inaccuracies have negatively affected my XXXX XXXX, my ability to obtain credit, and my overall financial reputation. I have previously contacted each bureau requesting corrections under FCRA 611, 623 ( a ) ( 2 ), 623 ( b ) and the Fair Credit Billing Act ( 15 U.S.C. 1666, 1666a ), and I have provided supporting documentation, including bank statements and payment confirmations, yet the errors remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding SoFis handling of multiple issues involving my XXXX transactions. The first issue concerns a disputed Groupon purchase from XX/XX/year>. I disputed this transaction ONLY partially for {$330.00}. The merchant redeemed the voucher but did not render the service. The merchant later admitted in writing that the service was never performed, and XXXX subsequently acknowledged this as well. XXXX offered only a partial refund despite the fact that I am entitled to a full refund. XXXX closed the case in XXXX favor without requesting any additional evidence from me, and when I attempted to contact the XXXX, XXXX, I was unable to reach him and have not received a return call after several days. The SECOND issue involves two additional Groupon charges that posted to my account on XX/XX/year>, each in the amount of {$330.00}. These charges were not authorized by me. On XX/XX/year>, I contacted SoFi Credit Card live support to dispute both transactions. I am requesting confirmation that disputes were properly filed for these charges and that they are being investigated in accordance with consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
Please see attached. XXXX responded to my XXXX CFPB complaint confirming the erroneous inquiries from XXXX XXXX and XXXX XXXX would be removed from my credit report. To date, this update has not been processed.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attached. XXXX responded to my XXXX CFPB complaint confirming the erroneous inquiries from XXXX XXXX and XXXX XXXX would be removed from my credit report. To date, this update has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: TX

Complaint narrative:
Please see attached. XXXX responded to my XXXX CFPB complaint confirming the erroneous inquiries from XXXX XXXX and XXXX XXXX would be removed from my credit report. To date, this update has not been processed.

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 2025-12-10 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: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : XXXX  Reporting Dispute Closed Accounts I am submitting a complaint regarding XXXX  , XXXX. reporting closed accounts from the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Chase Bank, XXXX XXXX XXXX. 

I requested removal of these entries due to closure, but XXXX  has not corrected my report. I am requesting your assistance to ensure these closed accounts are removed from my report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-10 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:
Experian is violating the Fair Credit Reporting Act ( FCRA ) by refusing to remove multiple identity theft accounts from my credit file even after receiving my formal Identity Theft Notice on XX/XX/year>. I advised Experian that I am a confirmed victim of identity theft and that this account do not belong to me : XXXX XXXX XXXX XXXX identity theft account, which has already been removed by the other bureaus. This account was opened without my knowledge, authorization, or consent. I provided all required FCRA documentation, including a government-issued ID, proof of address, and Identity Theft Affidavit, yet Experian continues reporting this fraudulent data, knowingly harming my credit standing and violating FCRA Sections 605B and 609 ( e ) which require immediate blocking and deletion once an identity theft victim provides notice. Balance : {$2900.00} -Late Date : XXXX Late XXXXXXXX XXXX XXXX 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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX is my birthday I went to the DMV to register this vehicle just to be told that there a STOP on this vehicle. The STOP is due to my co-signer not having a valid driver 's license. When I brought her with me Neither myself or her had any knowledge that this was going to be a issue 9 months down the road so here we are I have been on the phone with the institution for 7 days now and they absolutely have declined my request to remove the cosigner name ONLY off the title not the loan and they declined my request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing this complaint because a collection account is being inaccurately reported on my credit report. I contacted both the collection agency and the credit card company to dispute the charge, as the balance owed was * * paid in full on XX/XX/year> * *. 

Despite providing proof of payment and requesting that the information be corrected, the account is still being reported with an outstanding balance. I have also requested that the incorrect information be removed from my credit report, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
I took out this loan at XXXX, I was ignorant and did not fully understand what i was signing. It is a {$1200.00} dollar loan, but at the end of it all i'm going to be paying over {$4500.00} when you take interest into account. This loan has a 540 % APR. I am currently not in a position where I can pay this. This is absolutely wrecking my mental health and making my life miserable. All I ask if for negotiation, and even forgiveness. I do not think its fair to pay {$4500.00} dollars when all I asked for was {$1200.00}. 

I have been making payments for a couple months now, and I have made not even a dent to the actual balance, just straight interest.

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 2025-12-10 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: DISCOVER BANK
State: MD

Complaint narrative:
Saturday XX/XX/year>, I was heading home from seeing my family and could not use the debit card and the available balance was not correct on my bank account with Discover. I was transferred to the garnishment department and found that XXXX XXXX went to the court house and got a writ of garnishment in my husbands name. The company never served my husband with the court summons or any of the filings. He doesn't know anything about the debt or why he was sued. This garnishment is illegal because it was placed on my joint account which is forbidden under Maryland rule XXXX. The statute states that if both owners are not liable for the debt then those funds can not be levyed. Also these funds are further protected under statutes XXXX, XXXX, XXXX XXXX because these deposits are unemployment benefits and federal compensation. Furthermore, this writ is not valid because the clerk signed it not the judge. The clerk can not make orders/judgements. All of the deposits are made out in my name not my husband. The company saw he was social security XXXX benefits so they took seized funds from my account. This institution knew all of those deposits to the joint account were mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: NC

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

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 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 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  The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: NC

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

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 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 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  The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: CA

Complaint narrative:
I sent {$350.00} dls. To a checking account in XXXX through ria money transfer to XXXX bank. On Wednesday XX/XX/XXXX. 

And after complaining they sent a picture showing the money in my retirement account when I sent the money to checking account that was on XX/XX/XXXX and I did the transfer of retirement account from banorte bank to. XXXX on XX/XX/XXXX. 
They are playing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I originally got loans with navient XXXX. They did not send me emails to let me know my loans were due XXXX after the grace period. Found out from a friend from a different company. Went through several websites asked friends with the same problem in order to fund navient as my loner. When I called the stated I was already in violation of missing payments so I couldn't get a reduce payment plan. Did payments and randomly got told my debt was sold to a different company aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

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 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 2025-12-10 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: MD

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX - XXXX XXXX  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