vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also XXXX  and XXXX  exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received 40 inquiries on my credit report between three days I informed the company and added fraud alerts. I am not liable for this debt I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened an KeyBank account. I was able to access it until earlier this week ( XXXX of XX/XX/year> ) as I got restricted randomly. I wanted to close the account if I cant gain access to it and receive funds if any in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Southwood Financial, LLC.
State: MA

Complaint narrative:
Complaint Details : I am being taken to court by Southwood Financial, LLC for an alleged debt I do not recognize. I never received any correspondence or notice from them prior to the court summons, and I do not recall entering into any agreement or contract with this company. 

Upon researching the company in the XXXX XXXX XXXX XXXX ( XXXX ), I discovered that Southwood Financial is not licensed to operate or collect debt in the state of Massachusetts. Their XXXX  record only shows licensing in Virginia, and it indicates that they have not held a Massachusetts license since XXXX. 

In Massachusetts, debt collectors must be licensed to pursue any collection activity, including legal action. I believe Southwood Financial is violating the Fair Debt Collection Practices Act ( FDCPA ) and state law by attempting to collect a debt through the court system without proper licensing and without validating the debt as required. 

I am scheduled to appear in court for a motion hearing on XX/XX/XXXX, at XXXX XXXX  regarding this matter. I am requesting CFPB review this companys actions, especially their lack of required licensing, and take appropriate enforcement action if they are found in violation.

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 2025-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I had 2 mortgages with Sofi. The main mortgage is still through them and has no issues. 
The 2nd mortgage was through them but they then said they sold it to another company starting XX/XX/year>2025. HOWEVER, on the original mortgage documents there is a place where they can check if they are going to sell the loan or not and they put they were NOT going to sell the loan. 

They did anyway. I tried to contact them on their website but it says I have to call them. Every time I do, their automated system states it can't transfer me to a rep unless I 'validate ' my loan number. I have typed in my loan number and it says 'it doesn't recognize me and to call back when I have my loan number.

I am extremely upset as I was set up on auto pay and they sent a letter saying I wouldn't have to do anything but the new company and the old company Sofi hasn't touched the funds and I'm scared to touch them but don't want them sitting there. They weren't supposed to sell the loan to begin with and NO ONE will get back with me from there.

Can someone please please help me? I'm afraid I'm going to get behind in my mortgage and no one will respond to me. The new company doesn't recognize my 'old ' loan number with Sofi and Sofi won't do anything.

Haven't they broken the law?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM.

According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 

Accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Addresses : 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 2025-08-08 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: IL

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX//25 XXXX XXXX XXXX Date XXXX XXXX/25

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 2025-08-08 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: NE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B 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 ( FCBA ) 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 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of BirthXXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach . Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Date opened XX/XX/year> Balance {$1000.00}

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This letter serves as my formal demand that LVNV Funding LLC cease and desist all communication with me regarding the above-referenced account.

Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing to cease further communication, you must immediately stop all contact except to confirm that collection efforts are terminated or to notify of specific legal remedies.

I am exercising my rights under federal law to protect myself from continued and unwanted contact by your company. This includesbut is not limited tophone calls, letters, emails, and any third-party outreach including reporting to credit reporting agencies Your company has a documented history of improper debt collection practices, as evidenced by numerous federal cases, including : LVNV Funding , LLC v. XXXX, XXXX XXXX XXXX ( Neb. XXXX XXXX. XXXX ) where LVNV was challenged over chain of title and proof of ownership of debt. 


LVNV Funding, LLC v. XXXX, XXXX XXXX. App. XXXX where LVNVs standing and documentation were questioned in court. 


XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) upholding FDCPA violations for attempting to collect on debts without proper verification ( a standard applicable to entities like LVNV ).

If LVNV Funding continues to contact me or continue to report this account to the credit reporting agencies after receipt of this letter, I will document each instance as further evidence of willful noncompliance with the FDCPA and FCRA, and I will pursue : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General ; and Civil litigation seeking statutory damages under 15 U.S.C. 1692k, actual damages, attorneys fees, and any other remedies allowed by law.

This is your final notice. Govern yourselves accordingly. 
Sincerely, XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Student loan — Federal student loan servicing
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: IL

Complaint narrative:
Student loan accounts from DEPTEDXXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I am an authorized user on my sons Capital One Quicksilver credit card ( credit limit : {$3000.00} ), added in XX/XX/year>2025 to assist with shared home renovation expenses. Since being added, I have faced excessive and unreasonable obstacles from Capital Ones fraud department, preventing me from using the card for legitimate purchases. Repeated Verification Demands : Each time I attempted to update my phone number or mailing address ( now a XXXX XXXX XXXX, I was automatically transferred to the fraud department. On four separate occasions, I was required to submit front and back copies of my Kentucky drivers license ( a REAL ID ) and a selfie via a provided link. Despite complying each time, the updates were not processed effectively, and the fraud flags persisted. 
Declined Transaction at XXXX : On the XXXX of XX/XX/year>2025, I attempted to purchase a lawnmower and blower at XXXX using the card via the XXXX app. The transaction was declined. I immediately called Capital One and was again transferred to the fraud department, where I was asked to submit my drivers license and selfie while at the checkout. After complying, the representative stated the issue was resolved, but the transaction was declined again. The XXXX manager had to move us to multiple registers due to the repeated declines, causing significant embarrassment and inconvenience. 
Unresolved Escalation : After the second decline, I was told the primary cardholder ( my son ) needed to verify his identity with a physical copy of his drivers license. I escalated the issue to a fraud department manager ( XXXX, ID XXXX ), who stated there was nothing they could do to override the automated fraud detection system. I argued that the system was generating false positives, as all verifications were legitimate, but no resolution was offered. 
Impact : These issues prevented me from making necessary purchases for home renovations, caused public embarrassment at XXXX, and wasted significant time. Despite providing valid identification multiple times and escalating to a manager, Capital One has failed to allow legitimate use of the card or address their overly restrictive fraud detection process. 

Steps Taken to Resolve : Called Capital One 10 times, complied with all verification requests ( drivers license and selfies ). 
Escalated to fraud department manager ( XXXX, ID XXXX ), who was unhelpful. 
Involved the primary cardholder, who was also asked for additional verification without resolution.

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Subject : Coinbase Handling of Fraudulent Crypto Transaction I reported a fraudulent cryptocurrency transaction from my Coinbase account involving a now-defunct platform called XXXX. Despite providing full transaction details, Coinbase routed me through their standard help pages rather than directly escalating to their fraud/compliance team. 

Transaction details : Date : XX/XX/scrub> 2023 Amount : XXXXXXXX XXXX  ( ~ {$900.00} ) Wallet address : XXXX Transaction hash : XXXX Exchange used : Coinbase Coinbase case number : XXXX I request the CFPB review Coinbases handling of fraud reports and require improved escalation for customers reporting clear fraudulent activity with verifiable blockchain evidence.

Company response to consumer: Closed with explanation