vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ), including 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ), regarding multiple inaccurate, outdated, and potentially unverifiable accounts currently appearing on my credit report. The accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$190.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$8500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$28000.00}, and XXXX XXXX originally reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}. Repossession accounts include XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$32000.00}. Additionally, multiple inquiries remain on my report without verification, including 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 XXXX XXXX XXXXXX/XX/XXXX. Despite my previous dispute submission, these accounts and inquiries remain on my credit report without verification or explanation, which violates the reinvestigation and accuracy requirements under the FCRA.

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 2025-11-11 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: CA

Complaint narrative:
I previously submitted a dispute under the Fair Credit Reporting Act ( FCRA ), including 605 ( a ), 623 ( a ) ( 5 ), and 604 ( a ) ( 3 ), regarding multiple inaccurate, outdated, and potentially unverifiable accounts currently appearing on my credit report. The accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$190.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$8500.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$28000.00}, and XXXX XXXX originally reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}. Repossession accounts include XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$32000.00}. Additionally, multiple inquiries remain on my report without verification, including 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 XXXX XXXX XXXXXX/XX/XXXX. Despite my previous dispute submission, these accounts and inquiries remain on my credit report without verification or explanation, which violates the reinvestigation and accuracy requirements under the FCRA.

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

Complaint narrative:
Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : This Dispute is not Frivolous, and I have included all required documents to support this request. do not send me any form of stall letters or any form of rejection not to re-investigate Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I request that you investigate these items and remove them from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Please delete any information that the creditor is unable to substantiate. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee associated with obtaining this updated report. Additionally, I kindly ask that you notify any individuals who have received my credit report within the past XXXX months of the corrections made. 
Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I am submitting to formally dispute multiple inaccuracies on my credit report that misrepresent my personal information, account history, and inquiries. These inaccuracies have caused me concern, as they do not reflect my actual financial activity and could negatively impact my creditworthiness. 
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 Balance : {$4600.00} Under FCRA 605 ( a ) ( 15 U.S.C 1681c ) regarding obsolete information, I request that these addresses be removed immediately to ensure my report accurately reflects my current and correct residence. Furthermore, under FCRA 623 ( a ) ( 5 ), I am entitled to accurate reporting of the Date of First Delinquency ( DOFD ), which appears to have been reported incorrectly in this case. I request verification of the accounts history, including original account statements and any documentation supporting the charge-off ad unauthorized inquiries.

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

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my credit report that misrepresent my personal information, account history, and inquiries. These inaccuracies have caused me concern, as they do not reflect my actual financial activity and could negatively impact my creditworthiness. 
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 Balance : {$4600.00} Under FCRA 605 ( a ) ( 15 U.S.C 1681c ) regarding obsolete information, I request that these addresses be removed immediately to ensure my report accurately reflects my current and correct residence. Furthermore, under FCRA 623 ( a ) ( 5 ), I am entitled to accurate reporting of the Date of First Delinquency ( DOFD ), which appears to have been reported incorrectly in this case. I request verification of the accounts history, including original account statements and any documentation supporting the charge-off ad unauthorized inquiries.

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 2025-11-11 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate, incomplete, and unverifiable accounts currently appearing on my credit report. The accounts in question include 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 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. Despite my initial submission, these accounts remain on my credit report without any explanation, verification, or documentation from the credit bureau regarding their accuracy. This is a direct violation of the reinvestigation requirements under FCRA 611, as well as the obligations for furnishers to report only accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and for credit reporting agencies to maintain maximum possible accuracy under FCRA 607 ( b ).

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 2025-11-11 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate, incomplete, and unverifiable accounts currently appearing on my credit report. The accounts in question include 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 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. Despite my initial submission, these accounts remain on my credit report without any explanation, verification, or documentation from the credit bureau regarding their accuracy. This is a direct violation of the reinvestigation requirements under FCRA 611, as well as the obligations for furnishers to report only accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and for credit reporting agencies to maintain maximum possible accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One changed my debit card network from XXXX to XXXX without my consent or any prior written disclosure. 

When I opened my Capital One 360 checking account, I specifically chose it because the debit card was issued on the XXXXXXXX XXXX  which offered broad international acceptance and 0 % foreign transaction fees. A major key feature that influenced my decision. 

I am a XXXX XXXX XXXX XXXX XXXX  multiple times per week. Having a debit card that works globally is essential for both personal and safety reasons. While traveling abroad, Capital One changed my card to the XXXX XXXX. XXXX is not accepted internationally in most countries, and as a result my card was repeatedly declined. I was left in multiple situations overseas where I had no access to money while alone, simply because the XXXX XXXX is not supported in those regions. This is beyond inconvenience. It affects my ability to safely access my own funds while abroad. 

This change represents a material modification of the account terms I agreed to. I opened and signed for the account under the condition that I would receive a XXXX debit card with global acceptance and 0 % foreign transaction fees. Capital One removed this feature without my consent and without offering an opt-out or alternative. 

I have been a loyal customer and have enjoyed banking with Capital One, but this unilateral change has significantly harmed me. Capital Ones decision to switch networks without customer consent was detrimental and left me financially vulnerable overseas. I am asking for CFPB assistance in having Capital One resolve this matter promptly. If this can not be resolved, I am prepared to explore all available options to protect my financial rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Took my {$200000.00} away travel pay to my private bank in XXXX XXXX. 
Vehicle loan 2021 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
On are about XX/XX/year> alot of my transactions started failing... I use my account for donations, hair or cleaning services. 

XXXX XXXX  same thing, some transactions were completed and some we're not. 

On or about XX/XX/year> same thing happened i tried recieving cash and nothing came through then all of a sudden my account is closed. I've been using this platform for years with no problem like this whatsoever please help me i am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Newport Intermediate Inc.
State: WI

Complaint narrative:
i have a synchrony love sac credit card. I have had this card for over 7 months without an issue but recently noticed multiple {$40.00} late fees. I asked that they be removed as autopay was supposed to be on when the account was setup and that was denied by customer service. The money was always in the account but needed pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, I visited a U.S. Bank branch to apply for a Checking Account with a specific bonus offer. I provided all requested identification, including my passport, SSN card, and proof of address. 

After 7 days of waiting, I proactively contacted the bank 's Back Office ( Customer XXXX ) on XX/XX/year>. They instructed me that my application was missing these documents and had me XXXX  XXXX pages of my highly sensitive information ( Passport, SSN card, and Lease ). 

On XX/XX/year>, I called again and discovered the disastrous truth : The Back Office informed me that my Checking Account application from XX/XX/XXXX was " invalid ''. 

The XXXX pages of sensitive documents I faxed were being used for a Savings Account application that I never requested or authorized. 

This is where the bank 's incompetence created a complete deadlock. 

Today ( XX/XX/XXXX ), I received a paper letter from the bank ( dated XX/XX/XXXX ) for my Checking Account application. This letter directly contradicts the staff. The letter states I can simply " continue the application process '' by calling the " Customer Authentication Department ''. 

However, when I contacted both the Back Office and the Branch ( Front Office ) over the phone today, they both told me the exact opposite of their own letter : that my application is " invalid '' and I " must re-apply ''. This is unreasonable and a direct contradiction. 

When I tried to resolve this on the phone today ( XX/XX/XXXX ), the branch staff had an extremely " bad attitude '', refused to help me today, and just " kept 'doing apologize ' ''. Their only solution was to demand I book a new appointment for XXXX. 

Finally, after I insisted, the manager and Back Office ( over the phone ) admitted the root cause of this entire 10-day nightmare : the banker on Oct 30 made a catastrophic data-entry error, entering my birthday incorrectly ( e.g., XX/XX/XXXX instead of my actual birthdate, XX/XX/XXXX ). 

The bank 's severe data error caused my valid application to fail, created an " unauthorized account, '' and led to my SSN/Passport being collected for a fraudulent purpose. Now, their contradictory letter and staff instructions are blocking me from reapplying, and they refuse to fix their error today.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX,XX/XX/XXXX {$3000.00} was fraudulently withdrawn from my SoFi checking account via XXXX and transferred to a business account named XXXX XXXX in XXXX, CA. I live in XXXX XXXX and was working from home at the time, and I did not authorize this transaction. The transaction was labeled hdhd. 

On the same day, XXXX blocked another attempted {$3000.00} transfer to a different account, confirming my account was being targeted. The completed transfer to XXXX XXXX occurred immediately after, and funds were withdrawn instantly. The timing, just after the start of the month when people typically receive paychecks, indicates deliberate fraudulent activity. 

I reported this unauthorized transaction to SoFi on XX/XX/XXXXXX/XX/XXXX, and my dispute was assigned RequestXX/XX/XXXXXXXX ( XX/XX/XXXXXXXX / XXXX / ACH/Check Disputes/ Unauthorized Dispute ). SoFi denied my claim without providing documentation or adequate explanation. 

XXXX mishandled the case as well, initially freezing and then unfreezing my account without consent, denying all claims ( Case ID XXXX ), refusing to provide documentation of the blocked attempted fraud, and mishandling account security during multiple appeals on XX/XX/XXXX, XXXX, and XXXX, XXXX. 

I have submitted a police report on XX/XX/XXXX, documenting the fraudulent transaction. Despite this, SoFi has not reimbursed my account or fully investigated the claim under Regulation XXXX ( XXXX XX/XX/XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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:
I reviewed my credit report and noticed that the XXXX XXXX auto loan, last reported on XX/XX/year>, is being inaccurately reported. I'm disputing this account due to several errors, XXXX last payment listed is XXXX, XXXX account doesn't belong to me, XX/XX/XXXX account shows charged off XX/XX/year> with payment status listed as XXXX days late a payment can't be made after account is closed XX/XX/XXXX delinquency history shows XX/XX/XXXXdays late XXXX shows XX/XX/XXXX days late and XX/XX/XXXX days lateXX/XX/XXXXdays late and may is charged off, these need to be deleted theses discrepancies violate the FAIR CREDIT REPORTING ACT ( FCRA ) specifically ; 15 U.S.C. XXXXi, -is requiring all disputed information to be verified as accurate and complete,. 15 U.S.C. XXXX ( b ) requires credit bureaus to maintain maximum possible accuracy. This appears to be a third-party debt collector, and this also constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXe, which prohibits the reporting of false or misleading information. I am formally requesting the method of verification used during your investigation, including. The name and contact information of the furnisher. what documents were reviewed Whether the investigation was conducted manually or via an automated system, if this information can not be verified with the source documentation, including a breakdown of payments and balance history, this account must be immediately removed from my credit report, per federal law.

Company response to consumer: Closed with non-monetary relief