vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



List of Unauthorized Inquiries : 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 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 XXXXL - 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 XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX 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 XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 w
hich antedates the report by more than seven years.

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.

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 2025-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MN

Complaint narrative:
On XX/XX/year>, my XXXX XXXX card was automatically cancelled and reissued due to a reported phishing scam. I was never notified of this action. I only learned what happened on XX/XX/XXXX, after a second attempt to find out why my card was being declined and why my bills were failing. 

I was told the new card would arrive by XX/XX/XXXX. It never came. I called XXXX  XXXX  on XX/XX/XXXX and was treated rudely. I was hung up on twice after informing the agents I was recording for documentation purposes even though they themselves said the call was recorded. 

I called again on XX/XX/XXXX, where a supervisor offered no accountability, blamed the postal service, and said, I dont know where your card is. I asked him to expedite it at my their cost, and the supervisor claimed to submit the request and promised tracking info as soon as XXXX hours. 

Today is XX/XX/XXXX. XXXX  days later I have still not received the card or any tracking number. I called again, and another agent was extremely rude. Instead of providing a solution, he refused to assist me unless I sent in my ID even though I had already provided full identifying information ( name, address, SSN ). 

This situation has caused me serious financial harm, including missed payments and loss of access to essential federal benefits for nearly a month. I am requesting : Full tracking information for my replacement card A refund of any expedited fee Immediate reissuance of my card if lost Formal accountability for the delays and mistreatment by customer service This conduct is unacceptable and a clear failure of duty by Direct Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Ally financial has been making inaccurate reports on my credit file. XX/XX/year> Ally financial reported first major delinquency, which is incorrect. Ally financial also has made inaccurate charge off dates. these mistakes that Ally financial has made has hindered my life in so many ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MO

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I was transferring some Bitcoin to Ethereum for a more agressive approach in trading. When i transferred half of my bitcoin to ETH i saw it said i didnt have any Ethereum available. When i checked it said i have 100 % of my ETHEREUM already staked. Never was asked if i want to stack, didnt even know what stacking means. Why would i stack if i dont even know what it means. And it says 26 days to unstack, their support team told me it takes 26 days to stack and then 13 days to unstack, so firstly it doesnt say anything it takes 26 days to stack it only says for unstacking, so a normal person would assume if i submit now that in 26 days i will have my ETH stacked and unstacked in 26 days according to their application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-25 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NE

Complaint narrative:
I am submitting this formal complaint against SoFi Bank for its mishandling of multiple unauthorized transactions totaling {$10000.00}. These transactions were made to XXXX XXXX XXXX and XXXX without my authorization. What makes this especially concerning is that the casino had issued me a payout just days earlier, and the funds were subsequently withdrawn from my account in what appears to be a highly suspicious and coordinated manner. I immediately reported these charges and submitted dispute requests, including supporting documentation and filed police reports. Despite these efforts, SoFi failed to take appropriate action within the federally mandated 48-hour period. The lack of timely response and investigation by SoFi has not only caused significant financial harm, but also raises serious concerns about the banks compliance with consumer protection regulations and its internal fraud detection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against Equifax for two serious violations that have adversely affected my financial standing and violated my consumer rights : Equifax Data Breach ( XXXX  ) : My personal data was compromised in the massive Equifax data breach in XXXX. This breach exposed sensitive personal information to unauthorized parties, putting me at increased risk for identity theft, fraud, and ongoing financial harm. I am seeking acknowledgment, remediation, and continued credit monitoring or identity protection support from Equifax. To date, I have not received sufficient assistance or compensation for this breach of trust and security.

Failure to Remove Previously Disputed and Resolved Credit Items : Despite previously disputing inaccurate information on my credit file, Equifax has failed to remove or correct the disputed items, even after the investigation period had closed in my favor. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires Equifax to ensure that only accurate and verifiable information appears on consumer reports.

These failures have caused and continue to cause damage to my credit profile, potentially impacting my ability to obtain credit, housing, and favorable interest rates.

Requested Resolution : Full investigation and removal of any and all inaccurate or previously disputed information from my credit report.

Written confirmation of corrections made.

Compensation or extended credit monitoring related to the Equifax breach.

Assurance of compliance with FCRA regulations moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
NewRez has failed to provide timely responses to my inquiries. They have also failed to provide requested documentation and statements. 

NewRez failed to correct a mistake made by Specialized Loan Servicing ( SLS ) when it acquired my loan from XXXX XXXX XXXX. This mistake went unaccounted for for 3 years. This mistake lead to accrued interest and fees, ultimately leaving me to pay proptery tax for XXXX, XXXX and all associated fees out of my pocket. 

NewRez has also failed to disclose why there is no surplus of funds in my escrow row account to reflect the missed tax payment, in the amount of {$1300.00}. This amount was in my escrow account when the loan was transferred to SLS. If taxes were not dispursed by them or XXXX XXXX, the money should be there. NewRez refuses to correct or acknowledge this issue. 

They instead, after weeks of putting me through customer service XXXX, haven't shifted the blame to XXXX XXXX. 

Under federal law ( RESPA ) and Virginia servicing standards, the servicer at the time the tax becomes due is responsible for making the payment. 

12 CFR 1024.17 ( k ) ( 4 ) If the servicer transfers the servicing of a loan, the new servicer shall continue administering the escrow account in compliance with this section, and shall ensure that the payments of taxes and insurance premiums are made on time, even if the prior servicer failed to transfer sufficient funds. 

Even if XXXX XXXX didnt disburse funds before the loan transferred in XXXX, SLS became responsible for making the tax payment when it came due in XXXX or XX/XX/XXXX. 

NewRez 's response is attempting to shift responsibility to XXXX XXXX. But : I fulfilled my obligation by funding the escrow at closing.

SLS held the loan when the tax became due, and the escrow disclosure details when payments should have been made, regardless of their tax assessment window. SLS was acquired by NewRez, and is therefore part of their company.

It was their legal duty to ensure payment, and if the escrow was short, they were required to advance the funds and correct the escrow balance afterward ( not leave me with a delinquency ).

I deserve an explanation of where my escrow funds disappeared to after my loan was acquired by SLS, and to have the {$2600.00} I was forced to pay refunded to me by my previous loan servicer, NewRez LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
Im filing this complaint because I submitted a detailed hardship request to Fair Collections & Outsourcing regarding a valid collection account from a lease I had to break due to a XXXX diagnosis. I explained that I was ( and still am ) undergoing active treatment and scheduled for major XXXX  XXXX on XX/XX/year>. I offered to provide documentation and requested, in good faith, that they consider removing or pausing the account from my credit reports based on extreme medical hardship. Their response was dismissive. They refused to engage further and stated they would continue reporting the debt and not respond to future requests. I understand they may not be legally required to delete the account, but I believe their handling of this matter shows a complete disregard for documented medical hardship and violates the intent of fair and ethical consumer treatment. I am requesting CFPB oversight and support in addressing how this company responded to a legitimate humanitarian appeal during a life-threatening illness.

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 2025-07-25 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-07-25 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: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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