vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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:
I am writing to formally dispute the reporting of my XXXX account ending in XXXX, which is listed as a late open account across all three credit bureaus. According to my records, the account was opened on XX/XX/XXXX, with a last payment made on XX/XX/XXXX, and a last activity date of XX/XX/XXXX. The account is inaccurately reported with multiple late payments, including 30-day late payments in XXXX and XX/XX/XXXX, a 60-day late in XX/XX/XXXX, and 90-day lates in XXXX and XX/XX/XXXX. These reported delinquencies do not reflect my actual payment history. I have consistently made payments according to the terms of my account, and there is no credible documentation to substantiate the reported late payments. These misrepresentations materially distort the status of my account, negatively affect my creditworthiness, and violate FCRA 607 ( b ), which requires furnishers to follow reasonable procedures to ensure maximum possible accuracy. 
The inconsistencies in reported late payments and balances are particularly concerning given that this account is reported differently across the three major credit bureaus. The repeated misreporting creates confusion and undermines the integrity of my credit file. Under FCRA 611 ( a ) ( 5 ) ( A ), I am entitled to request a reinvestigation of any information that is inaccurate or unverifiable. I request that you conduct a thorough investigation with the creditor to verify all late payments, balances, and account status. If the reported delinquencies can not be fully substantiated with accurate documentation, they must be corrected to reflect the true payment history or correct entirely 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 non-monetary relief
Consumer complaint received 2025-11-22 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:
XXXX continues to report a charged-off repossession account with a deficiency balance that they can not legally verify. In their prior responses, they admitted the vehicle was never recovered or sold, meaning no legally valid deficiency balance exists. They also failed to provide proof that any required UCC notices ( Notice of Default, Right to Cure, Notice of Repossession, or Notice of Sale ) were properly mailed or delivered. Providing internal copies of letters is not proof of mailing or statutory compliance. 

Additionally, I recently received a new credit approval letter from XXXX requesting updated documents to finalize a vehicle purchase. This contradicts XX/XX/XXXX claim that I owe a past-due deficiency balance from an alleged repossession. No lender treats an account as charged-off and in default while simultaneously soliciting the consumer for new financing. 

This contradiction, combined with the lack of proof of required notices and the admitted lack of a repossession sale, shows the tradeline is inaccurate, incomplete, and not verifiable under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I made a deposit of {$3000.00} from my XXXX account to my Robinhood account last each of {$1000.00} per transaction per day. The first {$1000.00} got settled on Monday and I tried to withdraw it before my account was restricted with no action required tag and ever since then nothing has changed and my funds in the Robinhood keeps decreasing please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: 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 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 2025-11-22 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: PA

Complaint narrative:
I am fed up seeing these inaccurate late payments on my report again today. I keep checking and nothing is changing. I need the documents I sent to be looked at properly right now because I am tired of dealing with this problem.

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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
XX/XX/XXXX MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Subject : Debt Validation & Cease and Desist XXXX XXXX XXXX This letter is a formal request for validation under the Fair Debt Collection Practices Act ( FDCPA ) XXXX. You are attempting to collect account XXXX, allegedly with XXXX XXXX XXXX XXXX, with a claimed balance of {$15000.00}. 

Under federal law, you must provide full validation, including : XXXX. Proof of the debt and itemized accounting. 
XXXX. Proof of your authorization to collect on behalf of XXXX XXXX. 
XXXX. A copy of the original signed agreement. 

Until proper validation is provided, you must cease all collection efforts. Any continued attempts to collect without validation will be considered a violation of the FDCPA, subjecting you to statutory damages of up to {$1000.00} per action, plus actual and punitive damages. 

You are also hereby instructed to cease and desist from contacting me by phone or email. All communication must be in writing. 

Failure to comply within XXXX hours will result in legal action. 

XX/XX/XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Cease and Desist, FCRA Violations, and Demand for Compensation Dear XXXX XXXX XXXX XXXX, I am writing regarding your tradeline reported on my consumer credit file related to Account charged off for {$15000.00}, no payment history available. I previously disputed this information, and you failed to provide verifiable documentation of the debt or correct the information as required by law. 
You are now in violation of the following federal statutes : - 15 U.S. Code 1681s-2 : Incomplete and unverifiable account data - 15 U.S. Code 1681i : Failure to validate or remove tradeline You are hereby ordered to : 1. Permanently delete all derogatory and inaccurate information ; 2. Cease and desist from any further inaccurate reporting ; 3. Compensate me in the amount of {$3000.00} for violations listed above. 
Failure to comply will result in a civil suit under 15 U.S. Code 1681n and 1681o for damages. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and the Federal Trade Commission ( FTC ). 

XXXX XXXX responded with a letter showing account statements dated XXXX XXXX XX/XX/XXXX, XX/XX/XXXX to an account that was charged off in XXXX. On my credit report there is not any payment history, which is now inaccurately reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-11-22 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:
This is a formal dispute under the FCRA. 
The accounts below contain incorrect dates, balances, statuses, duplicate reporting, inconsistent payment history, or can not be verified. 
These items must be DELETED IMMEDIATELY, not corrected. 

ACCOUNTS TO DELETE EQUIFAX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX multiple duplicate loans with incorrect balances, dates, and statuses : Balance {$4100.00} Balance {$2800.00} Balance {$1200.00} Balance {$2100.00} Balance {$2200.00} Collections XXXX XXXX XXXX / XXXX XXXX XXXX XXXX {$1800.00} ( no proof of debt ) Hard Inquiry XXXX XXXX XXXX Unauthorized ACCOUNTS TO DELETE TRANSUNION Credit Cards/ Charge Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) derogatory, paid profit & loss, inconsistent dates Student Loans ( All inaccurate or duplicated ) XXXX XXXX XXXX  multiple listings XXXX {$2100.00} {$2200.00} {$4100.00} {$2900.00} {$1200.00} Multiple duplicates and inconsistent data require deletion. 

DEMAND UNDER FCRA If any of the above accounts can not be verified with full original documentation, including : Original signed contracts Payment history Itemized balances Proof of ownership Authorization for inquiries They MUST be DELETED IMMEDIATELY under FCRA 607, 609, and 611. 

I am demanding : Full reinvestigation Complete deletion of ALL accounts listed Method of verification Updated corrected report mailed to me Failure to comply will result in complaints to the CFPB, FTC, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Sunbit, Inc.
State: NM

Complaint narrative:
Sunbit tel. XXXX. And, XXXX. 

My account has been blocked XXXX times since opening a credit card with sunbit XXXX weeks ago. They have propounded from me photographs via e-mail of my driver 's license, social security card, selfie, utility bill. I communicated XXXX weeks ago that I was not comfortable doing that electronically on their platform. I stressed to a manager that they communicate with me via traditional letter and mail ( XXXX. ). That manager stated that it didn't really matter, and he wasn't going to change it. 

I telephoned today and an employee clarified that my decision to communicate in the mail was in fact not entered on their system. 

I changed my telephone number this week, and notified Sunbit. They do not allow me access on the app or online banking to my account, now. And they are e-mailing me to provide more photographs of myself and my driver 's license, that I already provided a few weeks ago. 

An employee XXXX hung up on me when I telephoned today, not even letting me ask what she was saying, basically, " I spoke to you earlier today, ( customer name. ) Have a nice rest of your day. '' I was at work as a teacher all day -- I did not speak with them. 

It sounds like this financial institution has a lot of fraud issues that other banks do not have. I was a bank teller for XXXX years. The manner Sunbit locks accounts and tries to get me to share my personal identification cards via e-mail is not an industry standard. 

I was able to change my phone number with XXXX XXXX, XXXX / XXXX XXXX, XXXX, XXXX XXXX, my employer, this week without any issue whatsoever. 

I anticipate the worst with this account now because I am not able to monitor my transactions, and the group of employees soliciting me exhibit a nonchalance and disregard for the harm they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-22 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint because Bank of America closed my personal checking account, my business account, and my credit card accounts without warning and without providing any explanation. When I contacted the bank, I was told the closure was related to an internal matter on their end and that it was not due to anything I did. However, they have refused to give me any further information and did not confirm when or how my money will be returned. 

Bank of America has provided no written notice, no explanation, and no timeline for refunding the remaining funds that were in my checking and business accounts at the time of closure. I was not informed of the account balances at the time they shut down the accounts, and no refund check has been issued or mentioned. As of now, my funds remain inaccessible. 

Federal banking regulations require that a customers remaining funds be returned upon account closure, even if the bank cites internal reasons. Bank of America has not provided any confirmation that my money has been processed, mailed, or released.

I am requesting CFPB assistance in obtaining : 1. Written confirmation of the reason the accounts were closed.

2. The total balance held in each account at the time of closure.

3. The method and timeline for returning all of my funds.

4. Assurance that the bank is not unlawfully withholding my money. 

This situation has caused serious inconvenience and financial stress, and I am unable to move forward without resolution. I am requesting the CFPB to intervene so that Bank of America complies with federal requirements and returns my funds promptly. 

My contact information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone : XXXX Thank you for your assistance.

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 2025-11-22 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: TN

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-22 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: TN

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
On XX/XX/XXXX, me and my husband applied for a Sofi loan jointly. I was told to put the household income so thats what I did. They originally told us that we were approved, and they just had to write up the papers for us to sign. ThenSofi declined us saying they couldnt verify our income. I made a XXXX XXXX XXXX complaint and Sofi called me. They told me that my daughters Social Security could not be counted because she was an adult. She is not she is XXXX. We are also getting XXXX XXXX but they said they could not count that. And they didnt even tell me anything about my husbands income, so I dont know if they even counted that. They emailed me back about the XXXX  complaint and told me they would have a response by XX/XX/XXXX ( the email was sent on XX/XX/XXXX ) so I doubt they even looked into it! Im just frustrated because we were told they wouldnt pull our credit because we were already approved! I should have read reviews because apparently it happens quite often! 
( Im including a screenshot of the email they sent that says that I would get a response by XX/XX/XXXX but she sent it XX/XX/XXXX ). Originally when she had called me, she said they would not be able to get me a response till well after XX/XX/XXXX so I think they rushed through and didnt actually look at anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I received a notice that my Citibank credit card ( Citi XXXX XXXX ending in XXXX ) would be closed due to inactivity. To prevent closure, I made XXXX small transactions. However, I never received any billing statements afterward. I later learned that my account had been placed into paperless billing without my knowledge or authorization, so I did not receive email statements, mailed statements, or alerts about payment due dates. 

As a result, XXXX late payments were reported to the credit bureaus. This caused a significant drop in my credit scores : my XXXX  score dropped from XXXX to XXXX, and my XXXX  score dropped from XXXX to XXXX, despite my long history of timely payments and an excellent credit history. 

Once I became aware, I immediately contacted Citibank. I first spoke to a customer service representative on XX/XX/year>, who refunded XXXX late fee and XXXX month of interest. I then spoke with a supervisor on XX/XX/year>, who confirmed they could not remove the late payments from my credit report, stating only XXXX late fee and XXXX month of interest could be refunded. During these calls, Citibank corrected my account back to non-paperless billing, so I now receive statements properly. 

I did not enroll in paperless billing and did not receive any statements prior to this correction. These late payments do not reflect my normal payment behavior. I am requesting that Citibank remove the XXXX late payments from all credit bureaus ( XXXX XXXX XXXX XXXX ) due to the unauthorized paperless enrollment and missed statements. I also request confirmation that my billing delivery settings have been corrected going forward.

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