vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I am filing this complaint because I discovered multiple inconsistent and inaccurate reporting entries for the same account, XXXX account number XXXX with a balance of {$13000.00}, across all three major credit bureaus, and the creditor has failed to ensure accuracy despite the requirements under the Fair Credit Reporting Act. Experian reports the account with a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year>, while Equifax lists the Date of Last Activity as XX/XX/year> but reports the account as updated on XX/XX/year>, and TransUnion reports a Date of Last Activity of XX/XX/year> and a Date Reported of XX/XX/year> ; all three show a XXXX late notation, but the dates do not match, creating contradictory timelines for the same event. These conflicting dates are significant because they misrepresent the sequence of account activity and make it impossible to determine which reporting is correct, suggesting that the furnisher did not meet its obligations under FCRA 623 ( a ) ( 2 ) to correct and update information, nor did it properly fulfill its duty to investigate under FCRA 623 ( b ) once the discrepancies became known. Additionally, this inconsistency affects my creditworthiness and undermines the integrity of my reports, violating my right under FCRA 611 to have disputes investigated and under 15 U.S. Code 1666 and 1666a regarding proper billing error corrections and handling during disputes. I am requesting CFPB assistance because I have attempted to address this issue, but the information continues to remain inconsistent across Experian, Equifax, and TransUnion, causing ongoing harm and confusion.

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 2025-12-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: OH

Complaint narrative:
On XX/XX/year>, I used XXXX XXXX online chat system to request the formal, downloadable PDF payoff statement for both of my private student loans. This is the official payoff letter required for financial, legal, and refinancing purposes. The automated advisor only provided basic payoff amounts, which are not sufficient for my needs. 

When a live representative joined the chat, I clearly restated that I needed the formal PDF payoff statement, not the basic email summary or temporary payoff amount. The representative sent a generic email instead of the official payoff letter and claimed it was all she could send. When I explained again that I needed the official document and asked why my original request was not fulfilled, the representative did not escalate the issue, did not verify whether the payoff request had been properly submitted, and instead abruptly ended the chat mid-conversation without resolution. 

Immediately after the representative disconnected, the system would no longer allow me to reach another agent. It stated that chat support was closed, even though I had been actively speaking with an agent moments earlier. I was effectively locked out of customer support during an ongoing request. I was not provided access to a supervisor, and I received no confirmation that the official payoff statement request had been submitted. 

As a result, I was left without the required payoff documentation, without any confirmation that a request was processed, and without any ability to continue the conversation or escalate the issue. This interruption has interfered with a time-sensitive financial matter that requires accurate, official payoff documentation. The sudden termination of the chat and denial of access to further support prevented me from completing necessary steps to manage my loans. 

I am requesting CFPB assistance to ensure Sallie Mae does the following : Provide the official PDF payoff statements for both private loans. 

Confirm whether the payoff request was properly submitted on XX/XX/year>. 

Investigate why the representative ended the chat mid-conversation. 

Ensure I am not blocked from accessing support during an active issue. 

Confirm that no negative internal notes or flags were placed on my account due to this interaction. 

XXXX XXXX failure to provide required documentation and refusal to escalate support during an active request has caused unnecessary delay, stress, and financial risk. I need the official payoff statements and a review of how this situation was handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Block, Inc.
State: NY

Complaint narrative:
I got charged for something that I didnt do and they still havent gave me my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

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

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or he has reasonable cause to believe that the information is inaccurate.

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 2025-12-03 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:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or he has reasonable cause to believe that the information is inaccurate.

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 2025-12-03 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: GA

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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant 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.

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 2025-12-03 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: CA

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers.

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ).

These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: DLC, LLC
State: ID

Complaint narrative:
I want the debt collector to stop coming to my house and to stop any in person contact immediately. I do not want them coming to my house at unreasonable hours anymore or questioning who lives here. I request all communication be done by mail only. This collector has came to my house multiple times at unreasonable hours, left information with someone who does not live at my house, and states he looked my girlfriend and I on XXXX to identify us. I am requesting confirmation that they will no longer be sending representatives to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
I opened a bank account with Sofi since there is a bank account bonus for new accounts that receive direct deposits into their account. 

on XX/XX/XXXX I received a direct deposit from my employer of {$5000.00}. 

I reached out to them on XX/XX/XXXX to make sure that I've met the requirements to receive my bank account bonus of {$300.00}. 

Sofi 's agent said To receive the welcome bonus for direct deposit, youll need to have a direct deposit set up from an employer or any government entity. If your direct deposit amount is between {$1000.00} and {$4900.00}, youll receive a {$50.00} bonus. If its {$5000.00} or more, youll receive a {$300.00} bonus. Please note that there is a XXXX evaluation period, which begins once your first direct deposit is received. After that period, the bonus will be credited to your account within XXXX business days. 

I reached out on XX/XX/XXXX after the 25 day period has passed and XXXX business days after the direct deposit and Sofi 's agent said I can see that we received a {$5000.00} deposit frXXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, this was sent as a regular ACH transfer, not as a direct deposit. That is why it did not count towards the direct deposit bonus. Sorry for the inconvenience. 

I have still not received my bank account bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-03 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: NY

Complaint narrative:
I have tried to correct the issue with the illegal reporting of a bankruptcy case attached to my credit profile. I had addressed the issue, and filed a random series of disputes to this matter to each of the companies involved. The reporting of this bankruptcy case is a Federal violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq, as the bankruptcy courts does not report information to any consumer reporting agencies to include : Equifax, Experian, and Transunion. The continuing of this reporting reflected on my credit report constitutes to a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681 e ( b ).

The bankruptcy court does not report information to any consumer reporting agency, information related to bankruptcy filings may be obtained through third-party vendors or public record retrieval systems. Being that i have a common Legal name these reporting methods are inherently prone to inaccuracies, incomplete data, or outdated information, as established in XXXX v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ). 
Any continued reliance on unverified or indirect sources to report my bankruptcy status would constitute willful noncompliance, as described in XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I have tried to correct the issue with the illegal reporting of a bankruptcy case attached to my credit profile. I had addressed the issue, and filed a random series of disputes to this matter to each of the companies involved. The reporting of this bankruptcy case is a Federal violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq, as the bankruptcy courts does not report information to any consumer reporting agencies to include : Equifax, Experian, and Transunion. The continuing of this reporting reflected on my credit report constitutes to a failure to maintain reasonable procedures to ensure maximum possible accuracy as mandated by 15 U.S.C. 1681 e ( b ).

The bankruptcy court does not report information to any consumer reporting agency, information related to bankruptcy filings may be obtained through third-party vendors or public record retrieval systems. Being that i have a common Legal name these reporting methods are inherently prone to inaccuracies, incomplete data, or outdated information, as established in XXXX v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ). 
Any continued reliance on unverified or indirect sources to report my bankruptcy status would constitute willful noncompliance, as described in XXXX v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ).

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 2025-12-03 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/year> NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Dispute and Demand for Validation and Immediate Correction/Deletion Account/Reference No. : XXXX Credit Bureau ( XXXX ) : [ XXXX ] To Whom It May Concern : I am formally disputing the accuracy and legitimacy of the account you are reporting on my credit file. NATIONAL CREDIT SYSTEM is being reported as the original creditor, which is false. I have never opened an account with NATIONAL CREDIT SYSTEM and you are not the original creditor for this debt.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : 1 ) Validation : Provide complete documentation substantiating the debt and your right to collect, including : The name and address of the original creditor A copy of the original signed agreement or contract A full accounting showing the amount claimed, itemized principal, interest, fees, and payments Chain of title ( all assignments/bills of sale ) proving your authority to collect and report 2 ) Correction/Deletion : Because NATIONAL CREDIT SYSTEM is not the original creditor, immediately correct the tradeline to reflect accurate creditor information or delete the tradeline entirely. Any continued reporting that misidentifies PRA as the original creditor is inaccurate and must be removed.

Until you provide full validation, you must cease collection efforts and suspend reporting to the credit bureaus. If you can not validate and correct this account within 30 days of receiving this letter, you must delete the tradeline from all credit reporting agencies.

This is a time-sensitive dispute. Please respond in writing confirming : Receipt of this dispute The actions taken to delete or correct the tradeline Copies of all documents relied upon to validate the debt and your collection authority If you continue to report inaccurate information or fail to validate, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will consider all available remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am disputing the following charged-off accounts on my Experian credit report : XXXX XXXX XXXX Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX XXXX XXXX  - Account No. XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00}

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