vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX and remove from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXXXXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
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 2025-07-09 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: CITIBANK, N.A.
State: MN

Complaint narrative:
XXXX XXXX I was subject of fraud .. Citibank told me I should pay nothing until it was resolved then closed my account on XX/XX/XXXX and report that I dont pay my bills. The fraud was resolved in XXXX XXXX XXXX. Citibank must withdraw the reports of nonpayme

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 2025-07-09 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by XXXX XXXX  on my credit file with Transunion. 
I currently have two active accounts with XXXX XXXX, and a formal payment arrangement was made between both parties, modifying the original terms of repayment. I complied fully with this agreement and made all payments as scheduled. Despite this, XXXX XXXX failed to properly and accurately apply those payments to my accounts, resulting in false reporting of late payments.

These reporting errors have negatively impacted my credit profile and are inaccurate, as I was never late based on the agreement.

I am requesting a reinvestigation of the following accounts : Creditor Name : XXXX  Account Numbers ( Last 4 Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts are currently showing a 30-day late payment reported on XX/XX/year> with both XXXX  and TransUnion. However, XXXX  does not reflect a late payment for account # XXXX, further confirming inconsistencies in the data being reported. 
As this account was under a modified agreement, and payments were made according to that agreement, it should not be reported as delinquent. If XXXX XXXX claims the late payments are valid, I respectfully request that documentation be provided showing where I was in default.

My records clearly reflect that I remained current and compliant with the terms provided.

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered an inquiry from a company I do not recognize. I never applied for credit with this company, nor did I authorize or consent to their access to my credit information. This unauthorized inquiry is causing me significant stress and concern.

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 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate and incomplete information on my consumer reports. This is ILLEGAL! I've tried to ask them to fix it, and they refuse to, further breaking the law by continually reporting false, inaccurate, and incomplete information!

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 2025-07-09 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: GA

Complaint narrative:
XXXX XXXX is reporting inaccurate and incomplete information on my consumer reports. This is ILLEGAL! I've tried to ask them to fix it, and they refuse to, further breaking the law by continually reporting false, inaccurate, and incomplete information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am writing to formally file a complaint against XXXX, a subsidiary of PayPal, on behalf of myself, XXXX XXXX, a resident of North Carolina, regarding what I believe to be unfair and potentially unlawful business practices. 
Recently, XXXX  has held a significant amount of my personal funds without clear justification or timely communication. Despite repeated attempts to resolve the matter through XXXX customer service channels, I have not received an adequate explanation or resolution. My funds have remained inaccessible, which has caused financial hardship and significant distress. 
I believe this behavior constitutes an unfair business practice under North Carolina law. XXXX failure to provide transparency, accountability, or a reasonable timeline for the release of my funds raises serious concerns. As a consumer, I expect financial institutionsespecially those handling personal and sensitive financial datato act in good faith and in accordance with consumer protection laws. 
I respectfully request that your office investigate this matter and take any appropriate action to ensure that XXXX  complies with XXXX XXXX laws regarding fair business practices and consumer rights. I am prepared to provide documentation, including account information, correspondence with XXXX, and any related transaction details, to support my complaint. 
Thank you for your time and attention to this matter. I look forward to your response and assistance in helping me reach a fair resolution. 
Sincerely, XXXX XXXX Let me know if you'd like to include specific dates, amounts, or attach any documentation to make the letter even stronger. I can also help you fill out the XXXX 's complaint form if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
It started on XX/XX/25. I received an email and a text message at XXXX. In this email included the following details. Your SoFi Bank accounts have been temporarily restricted. It proceeded to state to reach out on the bases to review my account. It left the following phone number of XXXX. Was on the phone with XXXX different agents. While still on the phone waiting for the final agent I talked too. Got an email at XXXX headline Your SoFi Bank accounts has been closed. Furthermore it says Upon reviewing your SoFi Bank account, we have identified activity that suggests a violation of the SoFi Bank Deposit Account Agreement. As a result, we regret to inform you that your account will be closed with immediate effect. This means that you will no longer be able to access your account online or use your debit card. Additionally, any automatic deposits or withdrawals, including electronic or check transfers, will no longer be processed. In the first email it said I had XXXX  days to get in contact with SoFi. But they rendered a decision within XXXX minutes. The last agent I talked too started they can see the primary source of the decision but arent obliged to disclose that information. Proceeded to direct me to SoFis terms of agreement section. Hence the question and resolution on why my SoFi accounts was closed. Ive been with SoFi for XXXX years and never had any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the validity of the alleged {$690.00} debt being reported by MG Credit in connection with a membership from XXXX XXXX. This account is inaccurate, unverified, and potentially unlawful.

Original Creditor : XXXX XXXX ( now permanently closed ) Collection Agency : MG Credit Amount : {$690.00} ( outrageous and unsupported ) My Claim : This membership was canceled and no longer active. I do not owe this debt.

Lets be clear no consumer in their right mind racks up a {$690.00} gym bill, especially for a facility that is no longer even operating. I canceled my membership, and the gym subsequently closed, eliminating any further obligation or access to services. Your claim lacks merit and borders on abusive debt collection. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of this debt. You are required by law to provide : 1. The name of the original creditor ( XXXX XXXX a company that no longer exists ), 2. A copy of the signed contract or agreement obligating me to this alleged balance, 3. A full itemization of how the outrageous {$690.00} figure was calculated, including dates of service, fees, and charges.

You have failed to do this. This makes your continued reporting of this debt a potential violation of both FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits the reporting of inaccurate or unverifiable information to credit reporting agencies.

Additionally, the Florida Attorney Generals office has previously received complaints about shady or predatory billing practices related to XXXX XXXX, including post-cancellation billing and unclear membership termination procedures. If your company is relying on ghost records from a defunct business to squeeze money out of consumers with XXXX documentation, that is not just unethical its illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A check deposit was made into the account.

My employer made the payments.

Chase placed a hold on the funds. They said it was under investigation.

I called, went to branches, and they refused to verify the checks with my employer. I let the days go by.

I contacted Chase again. They said they only had to call my employer. I gave them my personal and business phone numbers.

The Chase employee said they called twice, then said they called three times, telling nothing but lies.

My employer never received a call from Chase. Then they said they couldn't call the branch line because it didn't appear in the Chase system.

Then they said they called and sent them to voicemail. Then they said they couldn't call back because they had already called, and they disconnected the call.

I've been going to branches for over a week now, looking for a solution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
Subject : Unlawful Reinsertion of Inaccurate, Previously Deleted Information Demand for Immediate Deletion Violation of FCRA 611 ( a ) ( 5 ) ( B ) To Whom It May Concern, I am formally lodging an explosive and intolerable complaint against Experian for a shameless, egregious violation of my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. XXXX XXXX XXXX XXXX XXXXXXXX account ( Account Number : XXXX ) previously disputed, proven inaccurate, and deleted via my prior CFPB complaint ( ID : XXXX, closed XX/XX/XXXX ) has been unlawfully and recklessly reinserted into my credit file. This outrageous act, executed without notification within five ( 5 ) business days, is a direct assault on my financial integrity and emotional well-being.

The FCRA mandates : A consumer reporting agency may not reinsert a previously deleted item unless the person who furnishes the information certifies that the information is complete and accurate, and the agency notifies the consumer in writing within 5 business days. Experian has brutally disregarded this law, failing to provide : Written notification of the reinsertion within five ( 5 ) business days. 
The name, address, and phone number of the data furnisher ( XXXX XXXXXXXX XXXX XXXXXXXX ). 
A copy of the documentation or certification used to validate this fraudulent reinsertion. 

The closed status ( XX/XX/XXXX ) contradicts ongoing late payment reporting, a deliberate fabrication. 
These inaccuracies are annihilating my credit score, costing me thousands in interest, and inflicting unbearable emotional distress. I demand an immediate reinvestigation under FCRA 611 ( a ) ( 1 ) and full disclosure of all sham documentation supporting this accounts accuracy. 
Legal Reckoning Looms : Experians willful reporting of this unverifiable, unlawfully reinserted garbage exposes you to statutory damages, actual damages, and punitive damages under 15 U.S.C. 1681n and 1681o. If this travesty persists, I will unleash a barrage of formal complaints to the CFPB, FTC, and my state attorney generals office, followed by a relentless legal assault. Your negligence will not stand.

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 2025-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
As a member of Navy Federal Credit Union I began a HELOC application on XX/XX/year>. I have complied with all their information requests and have loaded all the requested document on their portal. The last communication from the loan agent said everything was submitted for final approval, XX/XX/year>. And then I heard no more until I check the portal on line and is said that the application was no longer in processXXXX XXXX. 

Even though the loan is based upon my wife 's income they wanted to see complete tax return on a former XXXX I closed where there was a small loss. Even though I have submitted the complete tax return twice they say it was incomplete so they have now, XX/XX/XXXX, run out of time and are no longer processing my loan. 

I understand from them that my credit review expires in a few days and they have chose not to proceed. I would like them to expedite the review and closing asap. But I can not get thru except to voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

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

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I tried to apply for personal loan through my bank. They denied it saying that there is a problem with my credit report and I need to talk to Experian about it. 

So I called ALL possible numbers of Experian. There is NO LIVE agent available even though they say it is. Automated message only gathers information regarding SSN and zip code. No matter what you do and no matter what you chose Experian provides NO Live agent support and therefore this critical and time sensitive issue I have stays unresolved. Experian is acting like a fraudulent company. I am not fully convinced that they are responsible for the problem on my account. 

Also, MAJOR logging issues on Experian website. I just created account. I provided my username, Password and SSN numbers. Account was created. When I tried to get my credit report it redirected me to the page where I needed to verify that it was me. It gave me two options to get a code on my email or phone. But NONE OF THEM WERE CORRECT. It was wrong email address with email provider that does not even exist, not the one I provided when I signed up. Phone number was also incorrect, not the one I provided. THIS IS A MAJOR ISSUE. I am losing a lot because they are too lazy to get agents. IT IS A BORDERLINE FINANCIAL CRIME!!!

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Southwest Credit Systems ( Account # XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX To Wh

om It May Concern I am writing to formally dispute a tradeline on my credit report from Southwest Credit Systems, listed under account number XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific and permissible circumstances, including with the written instruction of the consumer. I am asserting that I never provided written consent or authorization for Southwest Credit Systems to access or furnish my personal credit information. 

Given the lack of permissible purpose and my lack of consent, I am requesting the following : That you immediately investigate this account with the furnisher, as required under 15 U.S.C. 1681i That, pending or following your investigation, this account be deleted from my credit file if Southwest Credit Systems can not provide documented proof of my written consent That I be provided with the results of your investigation in writing Please consider this letter a formal dispute and initiate your reinvestigation process. Under federal law, you are required to complete your investigation within 30 days of receiving this request. 

I have attached a copy of my government-issued ID and a utility bill as proof of identity and address. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: WI

Complaint narrative:
I submitted a dispute for this account previously and the wrong self account was removed from my credit file. Please remove the correct one XXXX XXXX XXXX Acct # XXXX, Bal- {$380.00}

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