vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: IL

Complaint narrative:
This is a formal escalation of CFPB Case # XXXX. 

In XX/XX/year>, I was manipulated into sending {$3800.00} from my SoFi account under false pretenses. I received no goods, services, or value in return. I filed a dispute with SoFi on XX/XX/year>. Despite this, SoFi denied my claim using only device logs and internal screenshots- never evaluating the fraud itself, or my lack of benefit. 

Worse, they repeatedly cited XXXX XXXX Terms & Conditions ( Section 4D ) as justification to deny the claim. That section, however, explicitly instructs consumers to contact their bank for resolution - not XXXX. By citing it multiple times, XXXX effectively claimed XXXX  private platform terms override Regulation E, including 1005.11 ( d ) and 1005.2 ( m ).

SoFi has now used this Section 4D argument in three separate CFPB responses. This is no longer a misunderstanding it reflects a pattern of systemic denial, misrepresentation, and avoidance of federal consumer protection law. They also claimed they needed 60 days to investigate, but closed my case in just 25 minutes.

This is a textbook case of bad-faith handling, procedural evasion, and unjust enrichment -not just noncompliance with Regulation E, but a deliberate attempt to sidestep it.

I request formal review and oversight for repeated violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my XXXX  credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If XXXX  can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-29 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: NJ

Complaint narrative:
Description : I am disputing an inaccurate account reported by XXXX XXXX on my Equifax credit file. 

Credit File Date : XX/XX/year> Equifax Confirmation # XXXX Account in Dispute : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I submitted a direct dispute to Equifax regarding this account on XX/XX/year>. Equifax completed its investigation and provided a response on XX/XX/year>, in which they failed to correct the error. 

My dispute stated : This account is not legally linked to my Social Security Number and has never been validated with a signed contract. Please delete this entry under the FCRA and FDCPA.

Equifax has failed to conduct a proper and reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Their investigation was clearly inadequate because : 1. No Proof of Contract : Equifax has never provided me with a signed application or contract proving I opened this account, which is necessary to verify its validity. 
2. No Proof of Ownership : Equifax has produced no documentation legally linking this specific account to my Social Security Number or my identity.

3. Reliance on Furnisher : Instead of obtaining verifiable proof, Equifax merely relied on a generic response from the furnisher ( XXXX XXXX ), which does not constitute a reasonable investigation. 

By continuing to report this account without any tangible evidence of its accuracy, Equifax is reporting unverified and inaccurate information, which is a serious violation of my rights under the FCRA.

Equifax failed to conduct a proper and reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Their investigation was clearly inadequate because they relied solely on the furnisher 's unverified word without obtaining any tangible proof. 

CRITICAL NEW EVIDENCE : Additionally, XXXX XXXX itself has admitted in a separate CFPB case ( CFPB Case # XXXX ) that these types of accounts were opened through an electronic checkbox without any signed contract, and that one of the accounts associated with me was updated to an unknown Social Security Number status after my dispute. 

This admission proves that XXXX XXXX can not legally confirm that this specific account is tied to my Social Security Number. For Equifax to continue reporting this account after such an admissionwithout obtaining a signed contract or proof of SSN linkageconstitutes the reporting of unverified and inaccurate information. This is a severe violation of the FCRA, as an investigation can no longer be deemed reasonable in light of this evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. According to my most recent credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I am requesting that you investigate this matter, contact the furnisher of this information, and correct the late payment entry from my credit file immediately.

Please provide me with written confirmation of your investigation results and the actions taken. If the creditor can not substantiate the reported late payment with verifiable evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Skopos Financial, LLC
State: KS

Complaint narrative:
I applied for a debt consolidation loan, to which a hard inquiry was ran. When entering my bank account and routing number, as requested by them for deposit of the loan and automatic withdrawal payments, I was told ( online ) that my accounts were not valid. I called the company and spoke with a representative who then said " we do not accept XXXX XXXX  at this time, in order to proceed with your loan you will need to provide a different bank routing and account number. '' I informed the representative I did not have a different account, and no where was it stated BEFORE running a hard inquiry that specific banks were not being accepted. I asked for the hard inquiry to be removed and she stated that they " will not remove the hard inquiry. '' - To note, not only was it not disclosed before running the hard inquiry, after my hard inquiry and before entering my banking information - there is a step where they use XXXX to connect bank information quickly, and one of the banks listed to select through plaid was in fact my bank, XXXX. And after selecting my bank and being asked to upload my account and routing number, it did not say even then that my bank was unacceptable. Instead, it said it was invalid.

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 2025-08-30 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: MO

Complaint narrative:
There is information showing on my clarity report from XXXXXXXX XXXX XXXX  and XXXX XXXX not mine

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 2025-08-29 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: GA

Complaint narrative:
Formal Dispute and Identity Theft Report Demand for Immediate Deletion of Fraudulent Accounts Under FCRA & FACTA ( Metro 2 Compliance Required ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts from my Equifax credit file, as they are the result of identity theft and/or a data breach and were opened or reported without my authorization or consent.

The following accounts are fraudulent and must be deleted under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} 15 U.S. Code 1681e ( b ) Fair Credit Reporting Act ( FCRA ) You are legally obligated to maintain maximum possible accuracy in the preparation and dissemination of consumer reports. By failing to safeguard my data or allowing unauthorized reporting of false or breached data, you are in direct violation of this statute.

15 U.S. Code 1681c1 Identity Theft Protections As per this law, when identity theft or data compromise is alleged, you are required to block the reporting of any fraudulent information within 4 business days of receiving proper documentation. Failure to do so constitutes willful noncompliance.

Federal Trade Commission Act ( 15 U.S.C. 4158 ) You have violated Section 5, which prohibits unfair or deceptive acts in commerce by failing to protect my personally identifiable information ( PII ). Allowing unauthorized parties to access or use my data is a clear breach of trust and federal duty.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) This law mandates that you implement safeguards to ensure the security and confidentiality of customer records. The failure to protect my data is a breach of federal data security standards.

Breach Notification Laws under 16 C.F.R. Part 314 ( FTC Safeguards Rule ) If you became aware of a data breach involving my information and failed to notify me promptly, you are also in violation of federal regulations requiring timely notice of such breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NM

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are weighing heavily on me and continue to affect me negatively in ways that are difficult to put into words. These are trying times, and it would be a great help to me, a true blessing, if these inaccuracies could be corrected or removed.

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 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Went into capital one on XX/XX/year> at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX And deposited roughly XXXX cash and the atm jammed and it did not put the cash back out and it did not update my balance either calld in immediately and they opened a case I waited a few and they let me know they closed the case with me not getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-29 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: AZ

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 7 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), by failing to respond to my written disputes and failing to provide the legally required reinvestigation results. 
On XX/XX/2025, I mailed a detailed dispute letter to Equifax regarding inaccurate and unverifiable negative accounts and incorrect personal information reporting on my credit file. I included all required identification documents ( copy of my ID, Social Security card, and proof of address ).

The disputed items were as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite mailing this dispute with all proper documentation, Equifax has not responded nor provided the legally required reinvestigation details within the 30-day statutory period.

To ensure compliance, I mailed a second dispute letter dated XX/XX/2025, again disputing the same inaccurate accounts and personal information. Equifax has continued to ignore my disputes and has failed to conduct the required reinvestigation.

Laws Violated FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation within 30 days of receiving a dispute.

FCRA 1681i ( b ) ( 7 ) : Failure to provide a description of the reinvestigation procedure upon request. Harm Suffered Ongoing damage to my creditworthiness due to
Equifaxs

refusal to correct inaccurate and unverifiable accounts. Denial of credit opportunities because of false negative reporting. Emotional distress and financial harm caused by Equifaxs failure to comply with my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me and that I did not profit from these accounts having been opened. The below listed accounts by the original creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

Likewise these COLLECTIONS ACCOUNTS are also not mine.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
I never opened or consented to these accounts, and I believe they are fraudulent. Kindly investigate and remove them promptly. Supporting materials are attached.

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
While checking my credit report i have seen my credit score is low and gone through details i foud. out that i have an account with Goldman sacs which i dont have showing negative balance of XXXX that why reporting here

Company response to consumer: Closed with explanation