vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, I was manipulated into sending approximately {$3800.00} via XXXX XXXX peer-to-peer transfers, funded by my SoFi account. The recipient ( XXXX. ) fabricated emergencies ( housing, childcare, medical bills ) to induce sympathy and secure funds. After receiving the money, she ceased all contact and abandoned me. These were not gifts or voluntary payments they were induced through fraudulent emotional manipulation. 
Despite providing extensive evidence ( message threads, timelines, legal matrices ), SoFi denied my disputes and relied solely on device authentication records ( such as Face ID ) as proof of transaction validity. In their written statements to me and to the CFPB ( CFPB XXXX XXXX. XXXX and XXXX ), SoFi repeatedly conflated " authentication '' with " authorization, '' using these terms interchangeably to dismiss my fraud claims. However, " Face ID '' or any other biometric authentication only confirms that I physically executed the transaction on my device ; it does not establish that I provided valid, voluntary, and informed authorization. 
Under Regulation E ( 12 CFR 1005.2 ( m ) ) and its Official Interpretations, transactions induced through fraud or coercion are considered unauthorized, regardless of authentication mechanisms. XXXX. obtained use of my access device through fraudulent emotional manipulation, satisfying the definition of an unauthorized transfer under points 3 and 4 of the official interpretation. Therefore, SoFis reliance on authentication records as conclusive proof of authorization is both legally and procedurally invalid.

I requested investigation documentation under 12 CFR 1005.11 ( d ), and SoFi failed to provide it. Instead, they required me to create a separate username and password to access technical representment packets, rather than directly providing a clear, written explanation of their findings as required. This further demonstrates their failure to comply with procedural obligations and to provide transparent, good-faith investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I advised the agent that I had not consented to the credit protection and the agent said it was already on my card. Not sure how that is possible since the credit protection is through another company that I have had no dealings with. Agent stated he was removing the product but did not offer to refund any payments for the product that I have made to date. I want a credit for these charges as I did not consent to the product and was unaware that I was being charged a fee for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX Pursuant t

o 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. I have contacted Experian multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having this negative account on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
This account have already been removed and was not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to this account from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance : {$350.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2025-07-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been paying {$890.00} a month for over 5 years for my mortgage and I have never had an escrow account. In addition I have paid my property insurance and updated the mortgage company before the deadline. 

I came home one day and received a letter in the mail stating that Newrez will be purchasing insurance for me. I call my insurance agent and he emails and mails over my insurance declaration page to the Mortgage company. In addition, I emailed all my documents to Newrez, and Account XXXX XXXX XXXX responded the following : Godwill, Correct, you do not have an escrow account. I noticed that XXXX paid your HOI premium again creating a negative escrow balance. I have requested they try to stop the payment and hopefully they can. If not, you will receive a refund from your insurance company and will need to return it to avoid an escrow shortage and payment increase. 

More to come. 

Additionally, I called and spoke with a representative a week later who apologized profusely for the error and told me it would be fixed. ( I have this recording ) Today, I get a message from Newrez stating that I have a new monthly payment of {$1200.00}. This is not ethical or legal. This is an attempt to illegally take my home. 

Please review the documents attached and if there is a way I can send all the recordings please let me know. 

This has been going on for 2 months.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Tona Mortgage, LLC
State: TX

Complaint narrative:
My formal complaint against XXXXXXXX XXXX based in California, is for nonperformance and harmful delay in processing a residential mortgage loan application. The application was brokered through XXXX XXXX and relates to a Texas property. We have provided all requested documentation and have cooperated in good faith. The lender has failed to issue a formal loan decision, despite re-submission and multiple escalations, while our {$56000.00} in escrow funds remains frozen due to lender inaction. They have been non-responsive to our loan XXXX to our title company and to us. 

Key Facts - Loan file # XXXX submitted through XXXX XXXX. Went under contract on XX/XX/XXXX. 
- Property is located in Texas ; XXXX contract extension set to expire today, XX/XX/year>. 
- {$56000.00} placed in escrow on XX/XX/year>. 
- XXXX contract extensions granted due to lender delay and non-responsiveness - File re-submitted XX/XX/XXXX ; no formal approval or denial received as of XX/XX/XXXX at XXXXXXXX XXXX  XXXX. 
- Lender introduced a new condition ( handrails ) on the final day, XXXX hours before contract extension with no prior mention. 
- Title company confirmed complete non-responsiveness from lender. 
- We are financially qualified and fully prepared to close. 
- Lender has not issued a loan decision or communicated next steps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX  XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
Experian has ignored me far too many times, and Im done being polite. Ive disputed this same issue over and over, and it's still showing. Im beyond fed up and mentally drained from dealing with this nonsense. This isnt just negligence anymorethis is outright recklessness. 

Experian has shown XXXX respect for my rights, XXXX regard for accuracy, and XXXX accountability. Despite sending evidence and filing multiple disputes, you keep reporting the same false information, while XXXX managed to get it right. So whats your excuse? This isnt a system glitchits willful noncompliance, and its causing real damage to my life. 

A late payment is being falsely reported on my credit report by Experian, even though I have never been late on this account. XXXX correctly shows no delinquency, which proves the late mark is inaccurate. This false reporting violates the Fair Credit Reporting Act ( 15 USC 1681e ( b ) ) because credit bureaus are required to ensure maximum possible accuracy. It also violates the Fair Credit Billing Act ( 15 USC 1666b ( a ) since all my payments were made on time. This error is seriously affecting my credit standing and causing me emotional distress. Im demanding a reinvestigation and for the late payment to be permanently deleted. Continued failure to fix this will be considered willful and negligent noncompliance under 15 USC 1681n and 1681o.

Under 15 USC 1681e ( b ), youre legally required to maintain the maximum possible accuracy. You failed. Under 15 USC 1681i, you're supposed to investigate and correct inaccurate data. You failed again. Youve ignored every dispute, every document, every warninghow many chances do you need?

Let me be clear : this is a direct violation of federal law. You have no permissible purpose under 15 USC 1681b ( f ) to keep reporting false and damaging information. And because you continue to do it knowingly, you are fully liable under 1681n and 1681o.

This is the last time Im asking. Fix it immediatelyor Ill escalate this to the fullest extent possible, including formal complaints, legal action, and regulatory enforcement. You will be held accountable for the stress, harm, and financial damage you've caused. Enough is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation