vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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 regarding to the recent investigation accounts listed on my credit report. I do not agree with your findings and must insist on complete accuracy. It is my belief that sufficient efforts were not made to properly contact the creditors reporting this information. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, which requires direct verification with the creditor or furnisher. Without full and verifiable evidence, the continued reporting of these accounts is inaccurate and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This is a follow up regarding to the recent investigation accounts listed on my credit report. I do not agree with your findings and must insist on complete accuracy. It is my belief that sufficient efforts were not made to properly contact the creditors reporting this information. 
The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information, which requires direct verification with the creditor or furnisher. Without full and verifiable evidence, the continued reporting of these accounts is inaccurate and harmful.

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 2025-09-08 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Sofi bank continues to withdraw funds from my checking account for a loan I paid off fully in XX/XX/2025. They are refusing to return the funds to my account almost 2 moths later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi card used unfair practices that violate ethics which have caused my issue and the information they display is wrong or incomplete. I have already attempted to dispute my issue with them and they refused to fix it, they also have retaliated by making XXXX piece of information active as of XX/XX/XXXX when their last report was a year prior. I tried disputing with the credit bureaus again and it wont even let me anymore. 
I attempted to call in to pay {$1000.00} for XX/XX/XXXX on XXXX. They removed autopay. By doing that I was forced to mail in my check. It didnt clear for XXXX more days. Had my auto pay come up as it always had in the past, XXXX would not have been 5 months late. That was their problem, not mine. I have all the proof to back it up. 
They were paid {$1000.00} on XXXX {$200.00} on XX/XX/XXXX {$500.00} on XXXX {$500.00} on XX/XX/XXXX {$500.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX total {$3200.00} in 5 months. I overpaid them in XXXX because they didnt even bother to mail out statements after XX/XX/XXXX for XX/XX/XXXX. This is no charge off or collections or a late payment past XXXX. This is a case of a bank deliberately making it harder to pay when a consumer falls behind because they make more off negative information. I paid them XXXX dollars on XX/XX/XXXX. They were over paid in the end and had to issue a refund. I also think they targeted me for being a conservative in a blue region. Either way the dispute is headed to the attorney general. The information is inaccurate/false and I was retaliated for disputing them. This bank is corrupt. 
( The phone number on CFPB is out of date, I will have to call in to update it, please use my email in the interim to contact me back. For the Credit card number of the bank involved, I put down the last XXXX digits of it, as shown on check stubs ). Thank you CFPB. 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 2025-09-08 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX  XXXX XXXX balanced {$100.00} XXXX XXXX XXXX balanced {$350.00} XXXX XXXX  XXXX XXXX XXXX balanced {$2000.00} XXXX XXXX XXXX XXXX balanced {$940.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX balanced {$20000.00} XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX {$41000.00}

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
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX  XXXX XXXX balanced {$100.00} XXXX XXXX XXXX balanced {$350.00} XXXX XXXX  XXXX XXXX XXXX balanced {$2000.00} XXXX XXXX XXXX XXXX balanced {$940.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX balanced {$20000.00} XXXX XXXX XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX {$41000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: NV

Complaint narrative:
My phone was stolen in late XXXX of XXXX  and my entire funds were stolen. Discover Bank refused to refund me although, I stated that my phone was stolen and purchases were made including money transfers through funds. They stated they closed my case because I did not provide evidence. I requested what information they needed and they refused to give me an answer. They hinted towards showing paperwork for a new phone purchase but I stated my mom gave me an older phone to use until I can afford to make a new purchase towards a new phone. I really need assistance in getting my money back as they are not being cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXXXXXX XXXX XXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. TransUnion has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

TransUnions actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of TransUnions violation and my demand for immediate corrective action.

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 2025-09-08 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 am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX BALANCE {$0.00} XXXX  XXXX BALANCE {$1200.00} XXXXXXXX XXXX  XXXX XXXX BALANCE {$2900.00} XXXX XXXX XXXX XXXX XXXX BALANCE {$410.00}

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 non-monetary relief
Consumer complaint received 2025-09-08 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-08 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: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

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 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 non-monetary relief
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX XXXX  involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Request for Deletion under FCRA 1681i & 605B, FDCPA 1692c To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts currently appearing on my credit file. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, you are required to conduct a full reinvestigation. Pursuant to 605B, you are required to block and delete unverifiable or fraudulent information. 

Items in Dispute : XXXX XXXX/ XXXX XXXX Accounts # XXXX and # XXXX ( duplicate reporting ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( IP incomplete data ) Caine & Weiner / XXXX Account # XXXX ( contradictory reporting open/closed ) XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( closed vs collection status ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ( credit limit vs balance inconsistent ) Under 15 U.S.C. 1681i, you must delete or correct inaccurate, incomplete, or unverifiable information within 30 days. Under 15 U.S.C. 605B, any unverifiable or identity-related items must be blocked and removed immediately. Under 15 U.S.C. 1692c, debt collectors may not continue reporting disputed, inaccurate, or duplicative debts.

I demand the immediate deletion of the accounts listed above. If you can not provide full verification with supporting documentation from the original creditors, you must delete these accounts from my file.

Failure to comply will constitute willful noncompliance under the FCRA and FDCPA, and I will file formal complaints with the CFPB, FTC, and my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-08 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-08 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:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

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 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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: PA

Complaint narrative:
CREDIT KARMA KEEPS EMAILING RE : CHANGES ON MY CREDIT SCORESBUT WHEN INTRY TO RETRIEVE I CAN NOT GET INTO THIER EMAIL SYSTEM THEY TELL ME HOW TO FIX AND I TRY TO NO AVAIL I ASK THEM TO CALL ME TO MAKE IT EASIER FOR ME A BED RIDDEN CRIPPLE but they never do should I file a complaint w/the DEPT of JUSTICE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND I AM A DISCOVER CREDIT CARD CUSTOMER MORE THEN A XXXX  YEARS. I HAVE NEVER HAD ANY PROBLEMS OR LATE PAYMENTS ON MY CREDIT HISTORY ALSO WITH THIS CREDIT CARD. ONE DAY MY CARD WALLET GOT LOST AND MY CREDIT CARDS GOT ON SOMEONES HAND. I RECEVIED ONE TEXT MESSEGE FROM DISCOVER CREDIT CARD ABOUT TRANSACTION THAT I NEVER DID OR NEVER AUTHORIZED. I REPLIED NO THAT IS NOT MY TRANSACTION AND I CALLED BANK TO RESOLVE THAT. I ALSO DID POLICE REPORT. POLICE REPORT NUMBER XXXX. AFTER I TALKED WITH THE BANK I RECEIVED ALL CREDITS FROM THE BANK ON MY ACCOUNT AND EVERYTHING SEEMS GOOD. I WAS USING MY CARD AND PAYING IT BACK AFTER RECEIVING MY NEW CARD. ONE DAY I OPENED MY ONLINE BANKING AND I SEE THAT ALL THAT UNAUTHORIZED CHARGES ARE BACK ON MY ACCOUNT AND I CALLED AGAIN AND AGAIN THE DISCOVER BANK THEY TOLD ME THEY WILL GO OVER AGAIN AND TOLD ME THAT THEY ARE NOT MY TRANSACTIONS BUT THEY CAN NOT HELP WITH ANYTHING AND I RESPONSIBLE FOR THAT CHARGES. I EXPLAINED THEM THAT I NEVER DID THAT AND THEY CONFIRMED THAT THESE TRANSACTIONS ARE HAPPENED STATE IN NEVADA BUT I NEVER BEEN THERE AND ALSO I LIVE IN XXXX  XXXX XXXX. PLEASE HELP ME TO RESOLVE THESE BECAUSE THESE ARE REALLY BIG AMOUNTS FOR ME AND I AM NOT ABLE AND DONT HAVE ENOUGE FUNDS TO COVER THEM.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I have applied for a loan for a purchase with XXXX shop through affirm. My packages were not received. I have reached out to XXXX shop with no help and they recommended me to reach out to XXXX  with no help either. I finally reach out to affirm given I am a long time member with them and have had many successful paid off loans with them to help me with this issue as it is my first time going through this and they said they cant refund me and I will be responsible for paying for items that I did not receive. I have been at this for weeks between XXXX shop and fed ex and affirm and I am getting sick of the automated messages and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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