vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 
Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you delete and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B.

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-21 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
We entered into a {$28000.00} loan agreement with Mosaic for XXXXr financing. To date, we have paid {$31000.00} {$15000.00}, {$10000.00}, XXXX {$500.00} payments, and a final {$5000.00} which was misallocated and took months to recover. Despite paying over the loan amount, Mosaic insists on charging us over {$5000.00} in deferred interest, which they claim accrued due to missing a XX/XX/XXXX promotional deadline. However, we were under the understanding that the deadline was in XX/XX/XXXX, and we acted in good faith to resolve this issue as soon as we realized the error. 

Mosaics refusal to remove this charge is unreasonable, especially considering our clear, documented, and timely efforts to fulfill our obligations. We are seeking immediate removal of the deferred interest and confirmation that the loan is paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchase a new years ticket online for new years. There was no notification or note as non refundable. When I arrived venue they tried to charge extra which was also not stated. I was informed I would be refunded cause I end up not attending. I contact capital one the gave me XXXX transaction back {$83.00} as refund then declined the {$160.00} charge. This charge should be refunded as I did not receive services. I tried reaching out to merchant I got in contact once then they stop answering my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I refinanced and paid off my line of credit with Shellpoint Mortgage. I was also at this time getting another line of credit with the same bank for another HELOC, so with the new line of credit was used to pay off the first line of credit. All the funds were handled by Shellpoint and used to payoff the first line. On XX/XX/XXXX I receive an email from Shellpoint stating that I had not sent in my payment for 2 months ( they were asking for a payment of XXXX ). I called Shellpoint on XXXX XXXX and spoke to a representative and explained the situation, she reviewed my account and assured me she would take care of the issue. I assumed the issue would be resolved. On XXXX XXXX I then received a foreclosure notice from Shellpoint stating they had been calling me and I wasn't responding ( which is not true since I was the one who reached out first ). I then called on XX/XX/XXXX and spoke to XXXX XXXX and she told me that it was an error and she would take care of the issue. She also mentioned that the account had an overage of {$1000.00} which she would be sending back to me. I also asked to make sure that the late payments would not be reported on my credit since it was an error Shellpoint made, she told me yes. Well that didn't happen, Shellpoint reported the account as late. I have called many time, XXXX XXXX, XXXX XXXX and XXXX XXXX. Everytime I call they ask for different paperwork I send it and only receive a letter stating that are '' working on the request ''. The last time I called and ask to speak to a supervisor the rep didn't want to transfer me. The reps are very rude and don't want to help, I am very frustrated as this is effecting very negatively since I am trying to get a home loan. I have seen now after this incident has occured. That this company has many complaints and a bad reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> {$3900.00} XXXX was disputed but the company did nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I am filing this complaint against SoFi because they have repeatedly denied my fraud claims regarding unauthorized debit card transactions that occurred between XXXX XXXX XXXX  in XXXX, even though I have provided overwhelming evidence proving I was not in the state at the time. 

I reside and work in XXXX, and during the dates in question I submitted extensive documentation showing I was physically present in the state : A screenshot of my work timesheet from XXXX, XXXX. 

A location-stamped photo of myself taken at my home in XXXX XXXX XXXX XXXX. 

A text message automatically sent from XXXX XXXX  showing my ETA to XXXX XXXX, XXXX. 

Text messages with my father, XXXX XXXX, explaining XXXX transfers that occurred around the same time XXXX for XXXX and XXXX to help me pay a bill. 

I also informed SoFi that I rarely use my debit card and that my account is primarily used for paying bills. Despite this, they refused to review my transaction history, which would have confirmed this pattern. Instead, SoFi used weak reasoning to deny the disputes, including : The fact that I had previously visited a chain coffee shop ( XXXX XXXX ), which does not mean I made these specific purchases. 

That my father sent me XXXX payments, which is irrelevant and was clearly explained. 

That my physical debit card was used, even though I still had the card in my possession and explained the possibility of it being cloned. 

The transactions I am disputing are : XX/XX/year> XXXX XXXX XXXX XXXX {$39.00} XX/XX/year> XXXX XXXX {$18.00} XX/XX/year>XXXX XXXX XXXX XXXX {$16.00} XX/XX/year> XXXX XXXX XXXX XXXX {$25.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$9.00} XX/XX/year> XXXX # XXXX XXXX {$10.00} Despite submitting all of this documentation and disputing the charges XXXX separate times, SoFi continued to deny my claims. Most frustratingly, during the last denial, I was never informed of the outcome. I had to reach out myself and was simply told it was denied with no written explanation, documentation, or follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
This was sold to a XXXX party collector. I have paid for the same debt passed around to various collection agencies for the past XXXX  years. I have documentation of the paid debt that was originally from Cashnet USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
Without warning, both my personal and business credit card accounts were shut down, along with my banking accountssome of which I have had for over 10 years with no prior issues. Even more distressing, the new accounts I had just opened for my children were also closed without explanation. This has caused major disruption to my family and business life.

I am a single mother of four children, and I also run a business and a nonprofit organization. These closures have placed a serious financial and emotional burden on me and my family, especially since I received no clear reason or warning. I am asking for a written explanation, for my accounts to be reviewed and reinstated, and for support in regaining access to funds and account stability. 
I called three people and got no help I also went to the bank physically and got no further assistance. There is XXXX plus in each child account which I over see and lost access to. As well I was unable to pay the balance on my credit cards. 

I asked the banker was this fraud or any reason for this decision she does NOT know anythingand can't advise anything else. She started acting very weird towards me and non chalante. Then told me they are allowed to close accounts for any reason even with a perfect banking relationship and she could not tell me what this was attached to or if it was due to fraud. I asked if fraud was in lived would I be able to server my banking relationship once I figure it out what's going n here and she told me no that I could not and she wishes me the best of luck. 

I'm so shocked angry and this has caused my much XXXX  almost XXXX I told the last the customer service was horrible towards a comminuted loyal banking client and there should be some sort of protocol and reason behind this. Then I left.

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 2025-05-21 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-21 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block inc ) due to inadequate customer service and unfair practices, Which violates the consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their Platform, leaving my account valuable and unprotected. furthermore, their dispute resolutions process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for theses violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Arvest Bank account to fraudulent investment firm ( s ).

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