vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Company : SoFi Bank, XXXX. Subject : Retaliatory Account Closure and Violation of Regulation E ( Electronic Fund Transfer Act ) Description of Events : I am a victim of financial fraud and a retaliatory banking practice by SoFi Bank. I recently identified an unauthorized charge of approximately {$3000.00} on my account for airline flights made via XXXX XXXX. At the time this transaction occurred, I was physically traveling out of the country and could not have made this purchase.

1. Violation of Regulation E ( Failure to Investigate ) : I immediately notified SoFi of this error and provided emphatic, factual proof that I was traveling and did not authorize the charge. Under the Electronic Fund Transfer Act ( Regulation E ), SoFi is legally required to investigate this dispute in good faith. Instead of conducting this investigation, they ignored my evidence.

2. Unfair and Abusive Practice ( Retaliation ) : Immediately after I exercised my federal right to dispute this fraudulent charge, SoFi abruptly closed my account. This action appears to be a retaliatory measure to avoid their legal obligation to investigate the fraud and reimburse my stolen funds.

3. Consumer Harm : SoFi is now withholding my funds and has left me with a {$3000.00} loss for a transaction I clearly did not make. They have refused to communicate with me, refused to review my proof of travel, and refused to explain why a fraud victim is being punished with an account closure.

Resolution Sought : I am requesting that the CFPB compel SoFi to : Reopen the investigation into the {$3000.00} fraud as required by federal law.

Credit the stolen funds back to my balance. 

Release the remaining funds in my account to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I disputed an account on my Experian credit report that is reporting inaccurate and unverifiable information. The account is listed as XXXX XXXX XXXX XXXX, showing 48 late payments and a repossession/foreclosure date of XX/XX/year>. The personal identifiers being reported with this account are not mine. The address and phone number associated with this tradeline are incorrect, which means the data does not match my consumer file. 

Experian marked my dispute as Remains within one day and stated that the furnisher certified the information as accurate. This is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA 611 ). No documentation was provided, and Experian did not attempt to validate that the reported identifiers matched my identity.

Under FCRA 623, furnishers are prohibited from reporting inaccurate personal information, and the mismatched address/phone number confirms the tradeline is inaccurate. I am requesting that this account be deleted from my Experian credit report because it contains false identifying information and was not reasonably verified.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-02 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I have moved from XXXX to XXXX  and need a copy of the car title and a XXXX  form XXXX filled out so that I can transfer my title and registration. The title was an Electronic title with XXXX. Ally bank provided the electronic title info and then immediately requested from XXXX a paper title which has a different title number than the Electronic title that Ally provided. I can not transfer the registration for my car as the active title is now a paper title of which I do not have a copy. I can not get anyone from Ally on the phone and their title office now auto-transfers the calls to a different department with every call. I am now paying for a car I can not drive because Ally will not provide the correct title information and I can not register it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my FHA mortgage servicer, XXXX ( and later XXXX ), is reporting late payments that are not accurate. These late-payment entries were reported during documented forbearance and medical hardship periods when payments were formally suspended. 

In XXXX, I suffered a severe line-of-duty injury as a police officer, resulting in a XXXX XXXX XXXX and permanent XXXX. My neurologist at XXXX XXXX submitted multiple medical hardship letters to the servicer to support my request for payment relief. XXXX approved an FHA forbearance plan beginning on XX/XX/XXXX and ending on XX/XX/XXXX. During this time, the servicer confirmed that payments were suspended and that no payments were due. 

Despite the approved FHA forbearance and the medical hardship accommodations, the servicer reported late payments on my credit report. These late entries do not match the terms of the forbearance, the suspended payment obligations, or the requirements under HUD Handbook 4000.1, Regulation X ( 12 CFR 1024 ), and FCRA accuracy standards ( 602 ( A ), 607 ( b ), and 611 ). FHA guidance requires servicers to report accounts in forbearance accurately and not to mischaracterize payment status. 

Due to my permanent XXXX and loss of income, I was ultimately forced to sell my home in XXXX, XXXX. The home was sold on XX/XX/XXXX, and the mortgage was paid in full at settlement. I have attached my ALTA Settlement Statement showing the full payoff to the servicer. 

I am requesting that CFPB assist with a full reinvestigation and correction of all inaccurate late-payment entries that were reported during periods of FHA forbearance XXXX suspended payments, or documented hardship. The credit reporting is not accurate, does not reflect the conditions of the forbearance, and has caused significant harm to my credit. 

I am asking for correction of the reporting to reflect the accurate account status during the forbearance and hardship period.

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 2025-12-02 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: GA

Complaint narrative:
On XX/XX/year>, I sent a XXXX XXXX Mail Debt validation letter to Equifax XXXX XXXX XXXX regarding a derogatory account being reported by XXXX XXXX XXXX. Equifax received my letter on XXXX signed by a company representative. in the letter I requested debt validation, proof of legal contractual obligation with my wet ink signature, full accounting ledger on the account, and, chain of assignment, transfer, or sale within 30 days per FCRA compliance requirements. As of today 's date XX/XX/year>, I have not received the validation of debt I requested, and the derogatory item is still being reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XXXX ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute.

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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I used PayPal to purchase an electric scooter from XXXX. The scooter is defective only XXXX of its XXXX motors functions and therefore can not meet its advertised top speed or performance claims. This is a clear mechanical defect and the product is materially not as described. 

The seller accepted the return but refused to provide a prepaid return shipping label, even though XXXX  law requires sellers to cover all return costs when merchandise is defective or misrepresented. 

PayPal has not denied the case, but is improperly enforcing the sellers demand that I must pay the return shipping cost. This contradicts consumer-protection law and the Fair Credit Billing Act, which protects consumers from being charged additional fees related to defective merchandise. 

Forcing a consumer to pay shipping for a defective or materially misrepresented product is unlawful. PayPals dispute process is enabling the seller to violate these consumer protections, and placing the financial burden on me rather than the merchant. 

I am requesting the CFPB investigate PayPals mishandling of return-shipping requirements in a defective merchandise dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following charged-off accounts on my TransUnion credit report. The items listed are inaccurately reported, and I request immediate investigation and correction in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$290.00} Late Payments : XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Account No : XXXXXXXX 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 2025-12-02 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: IL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
My grandfather passed so I am acquiring the property and paying the mortgage. I am disputing the accuracy of my entire mortgage loan account because the principal balance has not materially decreased over approximately the last XXXX ( XXXX ) years, despite making regular payments and paying extra amounts specifically toward principal reduction. I'm beginning to question the legitimacy of the entire mortgage because nothing in it makes sense and my grand dad had been paying on this same mortgage for years and wouldn't have ever paid it off within XXXX  years. 

On XX/XX/year>, I sent the servicer a detailed Qualified Written Request under RESPA requesting complete life-of-loan payment history ( PDF and CSV ), all notices for the entire loan, original note and mortgage with all assignments, fee schedules, and servicing policies. The servicer responded with only limited information and a payoff quote, failing to provide the requested servicing records. 

On XX/XX/year>, I sent a formal Notice of Error under 12 C.F.R. 1024.35, identifying the servicer 's failure to respond properly and disputing the account accuracy. The servicer again responded with only a payoff statement dated XX/XX/year>, not the requested life-of-loan history, notices, contract documents, or policies. 

On XX/XX/year>, I sent a follow-up letter formally disputing the entire account ( principal, interest, escrow, fees ) and explaining that payments appear to have been misapplied, held in suspense, or diverted to improper charges over the past XXXX years. 

The servicer has failed to conduct a reasonable investigation or provide the information required under Regulation X. I can not verify whether my payments have been applied correctly, whether the balance is accurate, or whether fees are authorized. I am requesting that the CFPB require the servicer to provide a complete, compliant response and correct any errors.

Company response to consumer: Closed with explanation