vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Summary : SoFi Bank, N.A. closed my personal checking and savings account without returning the funds remaining in the account. At the time the account was closed, it held approximately {$7200.00}. 

I was not provided with a valid explanation for the closure, nor was I given any timeline for the return of my money. I have repeatedly contacted the companys customer support seeking the release of my funds. Despite these efforts, the company has not returned the money, provided evidence of a lawful reason to withhold it, or directed the funds to any third party. I have received no notice detailing why my funds were retained or whether any regulatory freeze or investigation is involved. 

SoFi 's actions cause significant financial hardship and appear to violate consumer protection laws and banking regulations. Financial institutions are required to return consumer deposits upon account closure unless a lawful freeze or legal order exists. The continued withholding of my funds, without explanation or justification, seems to constitute an unfair, deceptive, or abusive act or practice ( UDAAP ). 

Details : In XXXX XXXX, my SoFi app 's said of my empty checking & a savings account with {$7200.00} : " Account restricted Your account is currently restricted. Please reach out to us as soon as you can for more information. 
Contact us '' - From that point on I was unable to access the funds or do anything with my checking & savings accounts with SoFi. I had those accounts set up for auto-pay and also for direct deposit, I stopped those, but not in time to incur some late fees due to the auto-payment not working due to the restrictions.

I called to SoFi support number, and they did not have any explanation for the restriction or any redress, they only help was a delay- they said check again in a week.

I checked every day for two weeks, and I still could not access my savings, same restriction. I called again, they said security would review this case and call me back in 30 days.

But SoFi did NOT call me, or contact me via email or text. I called their customer service again a month later, with my account still restricted and still earning interest when I checked the app. SoFi support apologized, and said there is no help available for me. I have a recording of that XXXX call. 

I kept checking the app, could not get to my savings. 

In XXXX they sent me an email " Your SoFi Bank account has been closed '' - and they didn't send back what was in it! I called again asking where they had sent my funds, the support representative was not able to answer. Again they said they would review the case and get back to me but they did not. 

I have bank statements and the closure letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that have been inaccurately reported on my credit file. These accounts, including charged-off items, inquiries, positive accounts, and late payments, are in dispute across the XXXX credit bureaus :XX/XX/XXXX( XXXX ), Equifax ( XXXX ), and XX/XX/XXXX ( XXXX ). Please see the details below : CHARGED OFF XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$340.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$2500.00} XX/XX/XXXXXXXX, Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} INQUIRIESXX/XX/XXXXXXXX, Date : XXXX LATE PAYMENT XXXX XXXX XXXX, Account Number : XXXX XXXX XXXXXX/XX/XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-26 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: LA

Complaint narrative:
I am submitting a formal complaint regarding the following accounts that I believe are inaccurately reported on my credit file. Below are the details of the accounts in dispute, separated by each credit bureau : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AZ

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 non-monetary relief
Consumer complaint received 2025-11-26 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: AL

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

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX, I made an agreement over the phone with XXXX XXXX, a company in Massachusetts, where they were helping me with my debts. I signed a 24-month contract paying {$960.00}. Their promise was to help me with my credit. They started collecting payments on XX/XX/XXXX, and agreed to call me every month to update me on their progress. A month passed and they didn't call. I tried calling them, but it was very difficult to get through because they have few staff members who speak XXXX. However, they did deduct the payments without fail. It was really difficult to communicate with them. Since communication was impossible, I decided to check my situation on the XXXX XXXX website. There, I could see the monthly payments and the agreements. In XX/XX/XXXX, I received a call from XXXX XXXX, who told me, in a strange way, that they had to pay for another XXXX or 5 months. I replied that it was their problem, not mine, and that my problem was paying them. XXXX payments. He told me that because I missed a payment for XXXX month, the creditors were charging more. He asked if I could give him permission to extend the payment period by XXXX months. Not really understanding, since I was driving home, I told him I'd pay whatever it was with what I was already paying. That was the end of the discussion. In my opinion, with the XXXX payments I was making, he would pay what the creditors agreed to. XXXX day in XX/XX/XXXX, I logged into the portal to check my progress and almost had a XXXX XXXX when I saw that the program was ending in XXXX and not in XX/XX/XXXX as planned. I called them immediately and insisted many times until I finally got through after XXXX hours. XXXX XXXX answered and told me that my debt had increased because I kept using the XXXX XXXX card and that the debt had been {$5000.00}, but I had taken it up to {$8000.00}. I realized he was wrong and asked him who was in charge of my case. He replied that it was XXXX XXXX. I asked to speak with him, and he said he was busy. XXXX days passed with me calling to speak with XXXX, and XXXX always answered. Annoyed, I told him to tell XXXX to face me and clarify this abuse. I insisted so many times on speaking with XXXX until he finally answered, very kindly and sweetly, saying he saw me as his mother. He managed to get the program extended until XXXX in a meeting, telling me not to worry, it was only XXXX more months. I told him I needed him to email me the amount I had paid so far that was owed to the creditors, and why the program didn't end in XXXX. He said he would send it to me, but the information he sent was incorrect. Since then, I've tried to contact him, but it's been impossible. Only XXXX XXXX. I've emailed XXXX countless times, and he hasn't responded once. 




Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
To whom it may concern, I am filing this complaint because inaccurate and unverified information is being reported on my credit file by the credit bureaus and the data furnishers listed below. These items are damaging my credit, preventing me from obtaining housing and financial opportunities, and violating my rights under the Fair Credit Reporting Act. 
ACCOUNT DISPUTES XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$150.00} Reported status : Late payment Issue : This late payment is inaccurate and incorrectly reported. I never made a late payment on this account at any time. Your system is reflecting a false payment history, which violates FCRA 607 ( b ) due to the lack of maximum possible accuracy. I am requesting immediate correction and removal of the false late payment because it is misleading and damaging. Please update the history to reflect on-time payments as it actually occurred. 
XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$34000.00} Reported status : Charge off Issue : I have no knowledge of this account and no verified relationship with this debt. There is no contract, agreement, or signature connecting me to this account. This appears to be a mixed-file error or unverified information placed on my report. Under FCRA 611, you must provide full verification, including original application and documentation proving ownership of this account. If you can not verify with acceptable proof, you are required to delete this account immediately. 
REQUEST FOR CFPB ACTION I am requesting that the Consumer Financial Protection Bureau investigate these inaccurate and unverified entries, enforce compliance with FCRA laws, require the credit bureaus and furnishers to provide proper verification, and ensure correction or deletion of all information that can not be proven with original documentation. These errors are causing financial harm, emotional distress, and obstacles in my daily life, and I am seeking immediate resolution through your office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
A company called Nelnet keeps calling my phone looking for a person named XXXX XXXX XXXX XXXX I have informed them numerous times this is not her number snd to stop calling. Despite blocking several numbers m, they keep calling from different numbers, harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-11-26 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: FL

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 non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute XXXX XXXX XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX Dear CFPB, I am formally disputing the accuracy and legality of the account reported by XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX  with a reported balance of {$1900.00}. This account contains multiple inaccuracies and legal violations : Chronological impossibility : Reported Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX It is impossible for a delinquency to occur before the account was opened. This violates FCRA 1681e ( b ) ( requirement for maximum possible accuracy ) and FCRA 1681i ( duty to reinvestigate disputed information ).

Lack of validation or documentation : No proof of ownership, original contracts, or itemization of the debt have been provided.

Violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ) ( requirement to validate debt upon request ).

Regulation F Violations : 1006.34 : A debt collector must provide complete validation information, including itemization and original creditor data. XXXX XXXX XXXX has failed to comply. 

1006.30 ( a ) : Debt collectors can not furnish unverifiable or misleading information to credit bureaus. Continued reporting of this account is unlawful. 

Requested Action : Immediate investigation and verification of this account. 

Deletion of this account from my credit report at all bureaus until full and legally compliant validation is produced.

Written confirmation once the account has been corrected or removed.

Failure to comply constitutes ongoing violations of FCRA, FDCPA, and Regulation F and causes direct harm to my credit. I will escalate with further complaints and potential legal action if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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