vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} Inquiries XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
All credit agencies continue to list a " serious delinquency '' on my credit report due to two late payments on my credit card at the end of 2021. I contacted the issuing bank ( Citi Bank ) at the time and arranged a payment plan, which I followed precisely. I never refused to pay and I honor all my debt. I still hold the same credit card three years later and have not missed a single payment since then. 

When will this negative mark be removed from my credit history, especially considering that the delay was due to illness caused by COVID-19? The bank can not claim that I refused to pay, and the delay lasted only two months. I believe this label has remained on my record for far too long, unfairly damaging my ability to use credit responsibly.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/year> my Chime account was unexpectedly closed. I had {$1900.00} in my credit builder account, {$50.00} in my checking and over {$450.00} in my savings. I called chime twice the first time I was told it closed due to breach in contract because of a direct deposit, I informed them I only get direct deposits from my work so how could that be a breach in contract. They said the only information they had was that it was a breach in contract and the account was closed. I then asked about my remaining funds they said it would be returned to its original source and thats all they knew. I asked to speak with a supervisor and he said that there was no one available and then hung up on me. It was very unprofessional I am so overwhelmed and frustrated that was all the money I had and have been saving. The second time I called I was told that my account was closed due to breach of contract and I could not get a refund because my account was not eligible due to the breach.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: OH

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 2025-06-05 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: TX

Complaint narrative:
My sofi acct was hacked XXXX $ was transfered total unauthorized sent to XXXX XXXX from my acct and i did not recieve any notification because the hacker had the notification info from my acct along with my personal info. But sofi is treating me like a criminal not a victom because it wasnt till i regauned access to my account and i reported the issue that sofi restricted my acct.. provisional credit was put on the account but sofi restricted it. So is this sofis way of keeping my money that was stolen. Also sofi said no error occured. Also thats not true. Why wasnt a flag on my acct put on when my personal info was changed and my money had been sent to XXXX XXXX? Now im here suffering without my bill or car note money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request that you : Remove all addresses listed above except for my current verified address. 

Provide confirmation in writing that these corrections have been made.

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 2025-06-05 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( 15 U.S.C.

- 1681i ), regarding the unlawful reporting of multiple accounts that have NOT been legally verified.

The following accounts are being reported on my credit profile without any original contract, billing history, or documented verification as required by federal law : - XXXX XXXX XXXX XXXX - Account ending in XXXX - XXXX XXXX XXXX XXXX - Account ending in XXXX - XXXX  XXXX - Account ending in XXXX - XXXX  Card Services ( XXXX  ) - Account ending in XXXX - XXXX XXXX XXXX ( XXXX  ) - Account ending in XXXX - XXXX XXXX XXXX - Account ending in XXXX - XXXX XXXX XXXX - Account ending in XXXX - XXXX XXXX / XXXX  - Account ending in XXXX I have already submitted disputes and formally requested : 1. A copy of the original signed contract.

2. Full billing or loan statements.

3. Proof of direct verification from the furnisher.

4. Chain of custody documentation verifying how this data was processed and verified.

NONE of these were provided, which constitutes a direct violation of the FCRA. These accounts are inaccurate, unverified, and harmful.

I am demanding the CFPB to immediately investigate these violations and order the permanent deletion of all listed accounts from all credit reporting agencies.

If no resolution is reached, I will proceed with legal action under 15 U.S.C. - 1681n for willful noncompliance. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After I checked my credit profile I seen some inquiries that are 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 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had a cashapp account and only used it for friends and family sending and receiving. I had a cashapp card and I had money used the cashapp card to get a candy bar in a machine cause I'm a XXXX  then cashapp closed my cashapp I tried appeal it they said I couldn't and I violated cashapp but didn't really explain what I violated then by brother open a cashapp and he was using his for family and friends uses it not as much but when he helped a friend that he has helped before with no problems then cashapp started acting up declining the money to go through I called to see what was wrong and cashapp said the XXXX  wallet needed a new one and that XXXX wallet he help a friend out always used with no problem then a few days later cashapp closed his cashapp so my brother appealed his cashapp and cashapp emailed him and told him the same thing as they told me he violated cashapp and didn't give him a straight answer. I don't want no money I saw online that cashapp was in a lawsuit and wanted to contact the lawyer cause like I said don't want no money just want our cashapp XXXX XXXX XXXXp or allow us to open a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
The payment was made on XX/XX/year>2025 and on XX/XX/year>2025, XXXX  XXXX claimed the payment was declined due to insufficient funds. I made the pay ment and contacted them three times between those dates to clarify and make sure I had made the payment. They are now requesting it be repaid despite having already been paid. They are trying to cheat me out of XXXX bucks and I don't have the money to be cheated out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
I paid my car loan every month through electronic funds transfer ( EFT ) for five years, typically 23 days before the due date. My final payment was processed on XX/XX/year>. The following day, XX/XX/XXXX, I sold the vehicle, but I was unable to cancel the electronic funds transfer for my XX/XX/XXXX due date. Ally advised me that the {$420.00} payment made would be transferred back into my account, but it has been 3 months and every time I call, they say they will call me back and I have never received a call from anyone. I was informed that my case was closed. 

This issue remains unresolved. This delay in processing a promised refund, despite confirmation from Ally representatives, is unacceptable. Ally has refused to provide any documents or send emails, however, I was able to get two case numbers from one of the representatives : XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
XXXX XXXX  is a third- party collection agency that is collecting on a debt on my credit report. They are currently in violation of FCRA reporting laws and is in non-compliance wtih Metro 2 CDIS Standards. They have failed to maintain maximum possible accuracy, failed to update corrected information after being notified and to reasonably investigate and remedy reporting my creditworthiness. They show XXXX different amounts in this account on my credit report, and they don't show how they have derived on the amount listed which constitutes fraud. They have hurt my credit and my FICO scores with these inaccuracies. 
I have filed a complaint with my state attorney general 's office.

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 2025-06-05 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: TX

Complaint narrative:
XXXX XXXX  is a third- party collection agency that is collecting on a debt on my credit report. They are currently in violation of FCRA reporting laws and is in non-compliance wtih Metro 2 CDIS Standards. They have failed to maintain maximum possible accuracy, failed to update corrected information after being notified and to reasonably investigate and remedy reporting my creditworthiness. They show XXXX different amounts in this account on my credit report, and they don't show how they have derived on the amount listed which constitutes fraud. They have hurt my credit and my FICO scores with these inaccuracies. 
I have filed a complaint with my state attorney general 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I did a claim with capital one bank because I had some unauthorized charges for XXXX. Capital one gave me a provisional credit and XXXX days later took it away. A replacement card and the merchant charged me again. Capital closed my acct. This is aweful not being able to count with your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I have XXXX credit bureaus that have my whole life on hold and stopping me from buying me a home, car or even renting a apt

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 2025-06-05 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: NJ

Complaint narrative:
I have XXXX credit bureaus that have my whole life on hold and stopping me from buying me a home, car or even renting a apt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MOHELA
State: CA

Complaint narrative:
To Whom It May Concern, I am formally filing this complaint against MOHELA for willful noncompliance with the Fair Credit Reporting Act ( FCRA ), including violations of 623 ( a ) ( 1 ) ( A ), and for deceptive, repetitive conduct that has materially harmed me as a consumer.

I submitted a direct written dispute to MOHELA on XX/XX/year>, outlining that XXXX separate tradelines on my credit report were marked XXXX  days late for the same exact missed student loan payment in XX/XX/year>. These duplicate and misleading entries are not only inaccurate, but clearly violate federal reporting standards by inflating derogatory marks across my credit profile. 

MOHELA ignored my actual dispute. Instead, they recycled an outdated, non-substantive letter dated XX/XX/year>, which failed to address any part of the dispute raised. This was a copy of a previous response, and contained no new resolution, no data validation, and no evidence of a reinvestigation as required by law. 

I sent a final 7-day demand on XX/XX/year>, which MOHELA has also ignored. To date, they have not uploaded a single new response to my secure portal, nor mailed or emailed any legitimate response. Their lack of engagement demonstrates bad faith, blatant neglect of their duty to investigate under FCRA 1681i, and signals a larger systemic issue in how they handle borrower complaints.

Furthermore, MOHELA has recycled the same denial letter multiple times simply with updated dates without investigating, correcting, or validating anything. This creates the appearance of procedural compliance, when in reality they are stonewalling consumers who assert their rights. 

I am unable to refinance my mortgage due to this false reporting, which has lowered my XXXX  score significantly and caused direct financial harm. 

I am demanding that MOHELA : Immediately delete the duplicate tradelines from all three credit bureaus, Conduct a proper investigation into the disputed accounts, Provide full billing history and itemized breakdowns for all accounts allegedly reporting derogatory entries, Issue a formal written confirmation to me and the credit bureaus upon resolution. 



This is not a request this is a demand for compliance with federal law. MOHELA is operating in violation of their duty under FCRA, and I am prepared to escalate this matter to legal counsel, state regulators, the XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX XXXX XXXX  if this is not resolved swiftly and fully. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation