vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: RI

Complaint narrative:
I signed up for a race with XXXX XXXX XXXX in XXXX. The race organizers ' page took me to Active Network to register for the race. My registration process included a deceptive and misleading box to check that appeared I was registering for the race. Information was not provided to me to be able to consent for a recurring {$99.00} subscription charge. The company acknowledges their fraudulent and deceptive practices including in a XXXX complaint by the CFPB. I asked for my money back from XXXX and XXXX and the company declined to refund the full amount. There have been numerous complaints against this company and they should not be permitted to collect funds without active consent through deceptive business practices. I have received zero goods or services rendered through them and did not sign up for their subscription service knowingly or with the chance to realize this would occur due to the way they phrase their check box with a completely separate race service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am a consumer working to improve my credit and am disputing the following accounts with the credit bureaus. These accounts have inaccurate or incomplete information, and I am requesting that the credit bureaus review and correct the entries according to the Fair Credit Reporting Act ( FCRA ). 

Inquiries XXXX XXXX XXXX Date : XX/XX/2025 XXXX  Date : XX/XX/2025

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 2025-11-26 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: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: CA

Complaint narrative:
Possible financial XXXX  is attempting to collect a debt that is not owed They have the debt on my credit report as a charge off which is a violation because a charge off is considered certificate of indebtedness which is Income and isnt allowed to be on my credit report per the ( IRS ) income can not be reported. The IRS clearly define a charge off as gross or ordinary income/ it does not get reported in the consumer report which makes this Account inaccurate. Ive uploaded my proof Of truth Cancelled debt or a charge off is income. 
Ive never received a 1099 c from this company. They have written off the debt with the IRS without sending me a 1099 c as required by the IRS. 
This company is in violation of my rights to an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Social Security Number : XXXX XXXX Phone XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following accounts must be removed immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The following account must be removed Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
CFPB COMPLAINT SOFI BANK REFUSAL TO RETURN FRAUDULENT FUNDS Issue : SoFi Bank refuses to return funds after a fraudulent transaction, despite evidence, documentation, and a filed police report. 

Complaint : I am filing this complaint because SoFi Bank has wrongfully denied my dispute for a fraudulent debit card transaction. A merchant took my money, never delivered the product/service, and has provided XXXX proof of delivery or fulfillment. I followed all required steps, including contacting the merchant, submitting documentation, and filing an official police report. Despite this, SoFi claims no bank error occurred, which is incorrect under federal law. 

This situation falls under fraud, and I am protected by the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which require banks to investigate and resolve unauthorized or fraudulent electronic fund transfers. 

Details of the Fraudulent Transaction : Bank : SoFi Bank Dispute Type : Fraud Merchant did not deliver product/service Amount Taken : $ XXXX Date of Transaction : XXXX Merchant : XXXX XXXX XXXX Police Report Filed : Yes Police Report Number : XXXX XXXX Merchant Proof of Delivery : None ( merchant failed to provide any documentation ) Why SoFis Denial is Improper : 1. I did not receive any goods or services.

2. The merchant has provided no proof, no tracking, no contract, and no verification.

3. Under Regulation E ( 12 CFR 1005.11 ), a bank must investigate and refund unauthorized or fraudulent electronic fund transfers unless proof is provided otherwise.

4. SoFi denied my claim without proper investigation and without obtaining evidence from the merchant as required by law.

5. I submitted a police report, which further validates that fraud occurred.

6. SoFis denial violates the consumer protections guaranteed under federal banking regulations. 

What I Am Requesting From the CFPB : I am requesting CFPB assistance to require SoFi Bank to : Reopen and properly investigate my dispute Comply with Regulation E Provide a written explanation supported by evidence Return the fraudulent funds that were unlawfully withdrawn from my account Impact on Me : This fraudulent loss has caused financial hardship and distress. I have acted in full compliance with all laws and procedures, yet the bank refuses to protect me as required. I am simply requesting the consumer protections that federal law guarantees. 
Supporting Documents I Will Upload : Police report Screenshots/emails showing the merchant never delivered SoFi denial letter Transaction details Any communication with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please provide validating documents. The date of last activity is reporting differently among all 3 reports. Please conduct a reasonable investigation. This is inaccurate and must be removed 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 non-monetary relief
Consumer complaint received 2025-11-26 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:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : 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 XXXXXX/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 2025-11-26 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: PA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 2025-11-26 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: PA

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XXXX  3 amounts were transferred from my Citi savings account to my Citi Mastercard. Only 1 payment, which was the current balance should have been transferred, which created a credit of just under $ XXXX. On XXXX I spoke with a rep who assured me that the overpayment would be sent to my checking account at XXXX XXXXXXXX XXXX because they could not return the payment to my Citi savings. 

On XXXX I reached out as nothing had been done. I asked to speak with a supervisor after the rep said call back tomorrow. My experience was inexcusable- the supervisor argued that only 2 payments were showing and that the funds came from XXXX XXXX XXXX  XXXX not my Citi savings and he then hung up on me. I called again and asked for a supervisor, and this time I was told that the overpayment was being investigated and could take 30 days. Mind you that all 3 payments, which were Citis error to pull 3 payments, came from my savings account with them. This supervisor also hung up- I did NOT and would not be abusive in any way, I simply asked questions and they could not answer. I guess there protocol is hang up on the customer and they will grow weary and give up due to the long autobot questions and hold times to get to talk to a person. 

I called a 3rd time- this time to the savings side of Citi and they clearly confirmed the 3 transfers and amounts. They tried to assist by transferring me to a credit card supervisor and after she said hello the call disconnected. I then tried chat and the chat rep said it was under review. 

On XXXX I followed up again, and the chat rep apologized but basically no help. Said that the overpayment was being reviewed and once approved would take another 3-5 days to process. 

I have documents showing the payments and copies of the last chat that I am attaching below.

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
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2025-11-26 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:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-26 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-26 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 dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX  Account Number : 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 2025-11-26 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:
THIS IS NOT A REQUEST THIS IS A FORMAL DEMAND for the IMMEDIATE removal of fraudulent and inaccurate information on my credit report as mandated under Section 605b of the Fair Credit Reporting Act ( FCRA ). This law is crystal clear : fraudulent accounts MUST be removed once valid documentation is provided. I have attached my FTC Identity Theft Report as irrefutable proof that these accounts are fraudulent. 
DISPUTED INFORMATION - REMOVE IMMEDIATELY XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX This fraudulent information is NOT MINE. It is the result of IDENTITY THEFT, and it is UNACCEPTABLE that it remains on my credit report, damaging my financial standing and credibility. 
DATA BREACH ALERT NEGLIGENCE IN CONSUMER PROTECTION Furthermore, given the recent massive data breaches affecting millions of consumers, it is highly likely that my personal information was compromised due to your FAILURE to safeguard sensitive data. Cybercriminals have exploited vulnerabilities in financial institutions, leading to widespread identity theft cases like mine. If your institution has been impacted by a data breach, you are OBLIGATED to act swiftly in removing any fraudulent activity from affected consumers credit files. 
DEMAND FOR ACTION I am demanding the IMMEDIATE REMOVAL of these fraudulent accounts within FOUR ( 4 ) DAYS from the receipt of this letter.

Failure to comply will result in swift and aggressive legal action. If you refuse or delay the removal of these accounts, I will escalate this matter without hesitation to the following authorities : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC ) Legal Counsel for Civil and Financial Damages You have been WARNED. Non-compliance will not be tolerated. 
SUPPORTING DOCUMENTATION ATTACHED To prevent any excuse for delay, I have enclosed : 1. A copy of my government-issued ID ( e.g., drivers license or passport ) 2. A copy of a utility bill as proof of my current address 3. A copy of the FTC Identity Theft Report 4. A copy of my Social Security card ( if required ) You are LEGALLY OBLIGATED to comply with my demand under the FCRA. If this fraudulent information is not removed IMMEDIATELY, you will face legal repercussions. 
This is your FINAL NOTICE.Take action NOW.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank charged mec4 separate overdraft fees XXXX dollars each for a total of XXXX dollars in one week. I was attempting to withdraw XXXX  amount but could only overdraft a smaller amount hence I had to take out the amount I needed in 4 separate withdrawals. It's very excessive to charge a customer XXXX dollars in fees. I called this morning and asked if I can get a courtesy credit after being a customer for many years. The rep said that the system does not let her do that. I then asked if I can be transferred to a supervisor. I spoke with supervisor XXXX. She then told me that she can do a courtesy credit but she will only credit me XXXX dollars. If she can do it and is not blocked by the system why would she choose to only credit me XXXX out of XXXX? I think it's outrageous and terrible customer service.

Company response to consumer: Closed with explanation